Jiayin Group (JFIN) Investor presentation summary

Strategic vision and mission

• Focuses on empowering borrowers and financial institutions through technology, passion, and innovation.

• Aims to create value and realize dreams by connecting underserved individuals with institutional funding partners.

• Emphasizes values such as openness, inclusivity, and customer-centric value creation.

Business evolution and scale

• Founded in 2011, transitioned funding sources from individuals to institutions, and listed on NASDAQ.

• Transaction volume grew from RMB 55.5 billion in 2022 to RMB 129.0 billion in 2025.

• 2Q26 transaction volume was RMB 9.5 billion, reflecting a significant year-over-year decrease.

Technology and operational model

• Utilizes AI-driven platforms for borrower acquisition, credit assessment, risk management, and anti-fraud.

• Proprietary tools like Dayu, Tianlu, Fuxi, and Mingjian enhance data management, R&D, and risk control.

• 100% AI-automated approval and processing, with 73.1% of loan volume from repeat borrowers.