CNFinance Holdings Limited (CNF) investor relations material

Executive summary

• Focused on optimizing the loan portfolio, asset recovery, and operational efficiency amid a challenging macroeconomic environment.

• Achieved cash recoveries from overdue loans of approximately RMB600 million with a 103% recovery rate.

• Streamlined operations led to a 58% year-over-year decrease in operating expenses.

• Business transition resulted in a substantial reduction in outstanding loan portfolio and increased credit-loss provisions.

Financial highlights

• Total interest and fees income fell to RMB89.5 million from RMB415.7 million year-over-year.

• Net interest and fees income turned negative at RMB(88.4) million, down from RMB143.9 million in the prior year.

• Provision for credit losses surged to RMB340.7 million from RMB31.2 million year-over-year.

• Net loss widened to RMB399.5 million from RMB40.4 million year-over-year.

• Cash and cash equivalents and restricted cash stood at RMB252.3 million as of June 30, 2026, down from RMB338.2 million at year-end 2025.

Outlook and guidance

• Plans to accelerate asset recovery, execute selective new business initiatives, and maintain disciplined risk management.

• Continued focus on organizational efficiency and prudent capital management to build a more resilient business.