Financial Performance - FinVolution Group achieved RMB 26 billion in net revenue in 3Q25[15] - The company's loan balance as of 3Q25 reached RMB 14 billion[21] - Net revenue in 3Q25 was RMB 3487 million, a 6% year-over-year increase[115] - Net profit in 3Q25 was RMB 641 million, a 3% year-over-year increase[115] Transaction Volume and User Growth - Transaction volume in 3Q25 was RMB 512 billion, a 2% year-over-year decrease[115] - Cumulative borrowers reached 31 million as of 3Q25[21] - The company added 18 million new borrowers, a 67% year-over-year increase[115] International Expansion - International markets contributed 25% of revenue in 3Q25[119] - Transaction volume in international markets grew by 33% year-over-year[119] - Outstanding loan balance in international business increased by 44% year-over-year[126] Risk Management - The company's fraud detection system has a 988% accuracy rate[72]

FinVolution Group I n v e s t o r P r e s e n t a t i o n August 2025 This presentation has been prepared by FinVolution Group (the "Company") pursuant to Section 5(d) of the U.S. Securities Act of 1933, as amended (the "Securities Act") solely for informational purposes and is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any investment activity or trading strategy, nor may it or any part of it form the basis of or be relied on in c ...

Financial Performance - FinVolution Group achieved a net revenue of RMB 2.8 billion in 1Q25[14], demonstrating a 10% CAGR from 2020 to 2024[14] - The company's net profit reached RMB 738 million in 1Q25[15], marking a 39% year-over-year increase[101] - Non-GAAP net profit for 1Q25 was RMB 772 million, with a Non-GAAP net margin of 22.2%[124], a 37% year-over-year increase[124] Market Growth and Expansion - Transaction volume in the China market reached RMB 49.1 billion in 1Q25[15], a 7% year-over-year increase[104] - International markets contributed RMB 3.03 billion in transaction volume in 1Q25[15], with revenue contribution from international markets at 20.4%[106], a 37% year-over-year increase[106] - The outstanding loan balance in the China business was RMB 72.2 billion in 1Q25[110], a 13% year-over-year increase[110] - The outstanding loan balance in international business reached RMB 1.853 billion in 1Q25[114], a 46% year-over-year increase[114] User Base and Acquisition - FinVolution has 2.3 million cumulative borrowers in the Philippines as of 1Q25[17] - The company acquired 1.2 million new borrowers in 1Q25[101], a 62% year-over-year increase[101] - The cost per new user was RMB 455 in 1Q25[58], a 27% year-over-year decrease[58] Shareholder Returns - The company's dividend per ADS in 2024 was US$0.277[85], with a CAGR of 18% from 2019 to 2024[85] - Cumulative dividends reached US$395 million, and cumulative share repurchases amounted to US$372 million as of March 31, 2025[86] - The total payout ratio in 2024 was over 49%[90]