FinVolution Group · NYSE:FINV
FinVolution — Investor Presentation (August 2026)
24 slides from FinVolution's investor presentation, August 2026
Slide 1: FinVolution Group Investor Presentation
Slide 2: Disclaimer
Fin\ olution Disclaimer 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
Slide 3: Better Finance, with Technology
Slide 4: "LEGO" Strategy: Local Excellence, Global Outlook
Wy “LEGO” Strategy : Local Excellence, Global Outlook FinVolution 1) Chinese Mainland One Platform, | Multiples tz" \ ; > |Top 1” \ | - = | "| a rkets ~e Fi o Grose Cut con o Cross-Market Platform Capabil om fm oe w = Licensing Reputation Risk Experience & Trust Underwriting 4) New Initiatives Oc Pa
Slide 5: Building a Regional Platform
, | Building a Regional Platform FinVolution High Potential A! Technology Exponential Upside 2025 Opti . Pipelines for Next Batch of Growth ptionality New Country Incubation i i 38% Expanding Unique Users Ge. Profitable Growth 2018 Growth Markets | Superior Volume Growth 39% CAGRoo21.2025 Core Base
Slide 6: 2Q26: Sequential Recovery and Rising Overseas Profit Contribution
Wi 2Q26: Sequential Recovery and Rising Overseas Profit Contribution FinVolution i Operatin Transaction Revenue Cost Efficiency P g Volume Take Rate Profit ) Expanding User Base =- Interest Rate W) Al Application Drivers) (\“) Product Expansion =) Funding Partnership “) Economies of Scale YY) Credit
Slide 7: Overseas: Profitability On Track
= Sm AF Overseas: Profitability On Track FinVolution Transaction Volume in Overseas Markets RMB/bn ~27% vor +19% of group revenue from overseas segment in 2Q26 ( 3.8 3.2 Strong EBITDA growth despite deliberate, temporary pullback in the Philippines 2025 3025 4025 1026 2026 RMB 26.6M Ee RvB 55.3M (2Q
Slide 8: Chinese Mainland: Recovery Amid Regulatory Transition
3 Wil Chinese Mainiana: Recovery Amid Regulatory Transition FinVolution Transaction Volume in Chinese Mainland RMB/bn +69 3 e qT ion Volume in 2Q26 6% 19% 1% +6% QoQ growth in Transaction Volume in 2Q: aca O00 ona a7 50.8 Healthy risk condition 476 ato 38.7 38.5 . promoted volume growth in Q2, notwi
Slide 9: Multiple Pillars of Shareholder Value
. | Multiple Pillars of Shareholder Value FinVolution 4.) Overseas Markets ] Chinese Mainland © Net Cash’ ~US$720mn US$30mn Regulatory Adaptation 2026 Overseas EBITDA on Track + Paid US$74.5mn of dividends and + Rapid, Scalable Growth Engine * Transaction volume +6% QoQ US$27.4mn of share buybacks i
Slide 10: Regional Digital Credit Platform
| Regional Digital Credit Platform FinVolution 4 Expanding Credit Replicable Operating + A 01 Access Across Region 02 System Fin\ olution Validated Credit , Technology Enabled 03 + 04 2 Expertise Business ae ),. Leadership with Track 06 Consistent Shareholder ~~ Record Return Australia
Slide 11: Consumer Lending Made Simple
| Consumer Lending Made Simple FinVolution Speed: fulfill immediate credit needs 95% of loans funded within 1 hour Risk-adjusted return Simplicity: fully online process apply anywhere & anytime Customer acquisition - a Connecting -“ Connecting sy , Borrowers _“ Financial Institutions *, / / . , : —_
Slide 12: Expanding Digital Credit Franchise
101 | Expanding Digital Credit Franchise FinVolution Group Unique Borrowers’ in million 7.1 +2x User Base Growth in 24 months Access. 7 Bridging the credit gap across developing and developed markets > €> > «> € € > & € (1) Unique borrowers are those who successfully borrowed on the Company's platfo
Slide 13: AI-driven Data Technology
Al-driven Data Technology Natural Language Processing LLMs - Multi-modal models - TTS. Graph-Based Algorithms @ Anti-fraud & risk association inference Data Analysis & Data Modeling Agentic rule mining - Automated evaluation Cloud Computing A\-native infrastructure Trusted Generative Al Responsible
Slide 14: Validated Credit Experience
03 | Validated Credit Experience FinVolution ient Risk Performance across Multiple Cycles 100% M1+ Delinquency Rates by Vintage®) 1024 2024 3024 4024 1025 2025 3025 —Day 1 Delinquency Rate 50% 4025 1026 2026 4 delingue 9 Day collection f June 3 ne historical cumulati included in t ntage is define al
Slide 15: Proprietary Customer Acquisition Know-how
P04 | Proprietary Customer Acquisition Know-how FinVolution Chinese Overseas Mainland Markets Traffic © 7 Expanding 2.6M +64% Platforms bc User Base New Borrowers in 2026 YoY oe, Ge Search Engines Bai Saez G Federated Learning- | Based . " Joint Modeling / / Highly- 99% <1 min Automated Loan automat
Slide 16: Leadership Team with Track Record
505 | Leadership Team with Track Record Tiezheng LI Chief Executive Officer Co-founder Vice Chairman A Shaofeng GU Chief Innovation Officer Co-founder Chairman Q ay FinVolution Awards Recognition 2026 Asia Executive Team SreRSMT Microsoft : AWARDS = Education: = Education: 2025 % A\CEIBS ODN taanste
Slide 17: Consistent Shareholder Return
06 | Consistent Shareholder Return FinVolution Total Value Returned to Shareholders (Approx.) US$/million mRepurchase Dividend Total Payout Ratio’ 182 160 160 112 We see value in our share 61 uss67mn uss150mn 1H26 Buyback $ New Buyback Program'?) 2021 2022 2023 2024 2025 1H26 (1) The total payout ra
Slide 18: FinVolution
FinVolution
Slide 19: 2Q26: Diversified Growth Platform
WH 2026: Diversified Growth Platform Unique Borrowers inmn Transaction Volume in RMB/bn Loan Balance in RMB/bn 4.6 2Q25 54.0 2Q25 77.5 2Q25 5.0 3Q25 51.2 3Q25 77.4 3Q25 5.3 4Q25 42.8 4Q25 70.9 4Q25 6.1 1Q26 42.6 1Q26 67.7 1Q26 TA 2Q26 44.8 2026 67.9 2026 FinVolution +16% QoQ +5% QoQ +0.3% QoQ 19
Slide 20: 2Q26: Resilient Financial Results
| 2Q26: Resilient Financial Results 3.578 3.487 son 3210 3,403 Net Revenue in RMB/mn 2025 3Q25 4Q25 : 1026 2Q26 816 732 : i 547 529 Operating Profit aes 2Q25 3Q25 4Q25 1026 2Q26 751 641 Net Profit 416 424 427 in RMB/mn 2Q25 3Q25 4Q25 1Q26 2026 (18% QoQ operating profit growth excludes a one-time RMB
Slide 21: Chinese Mainland: Navigating Regulatory and Funding Headwinds
Transaction Volume “) 3 I Chinese Mainland: Navigating Regulatory and Funding Headwinds Net Revenue FinVolution RMB billion RMB million 200 +6% Q0Q +8% 50.8 2,781 2,397 38.5 41.0 2,216 2025 1026 2026 2025 1026 2026 Outstanding Loan Balance ® Non-GAAP Adjusted EBITDA ©) RMB billion RMB million 200 +0
Slide 22: Overseas Markets: Scaling Profitability Across International Footprint
, | mt SS «Overseas Markets: Scaling Profitability Across International Footprint Transaction Volume “) RMB billion 200 -5% YoY +19% 441 3.8 a 2Q25 1026 2Q26 Outstanding Loan Balance RMB billion 200 -6% YoY +19% 2.6 2.5 p 2Q25 1026 2Q26 (1) Transaction volume refers to the loan amount facilitated du
Slide 23: ‘@xinye.com
a 7 = ‘@xinye.com
Slide 24: Selected Segment Information
| Selected Segment Information Selected Segment Information (in RMB‘000) Chinese Overseas ; ment 2026 Pe fee Circ Elimination Net revenue 2,396,725 930,283 «81,676 (5,515) Less*: Operating etperises! (1,771,964) (876,648) (124,197) 5,515 Operating segment . proridiloss} 624,761 53,635 (42,521) Less:
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