Jiayin Group (JFIN) Investor Presentation summary

Strategic vision and mission

• Focuses on connecting underserved individual borrowers with financial institutions using advanced technology and innovation.

• Mission is to create value through technology and passion, empowering both borrowers and institutions.

• Core values emphasize service, openness, partnership, and value creation from the customer perspective.

Business growth and operational scale

• Loan facilitation volume reached RMB100.8 billion in 2024, with guidance of RMB137–142 billion for 2025.

• Cumulative borrowers reached 17.3 million by end of 2024, with 1.96 million new borrowers in 1H 2025.

• Partnerships with 70 financial institutions as of 1H 2025, supporting scalable growth.

• International expansion underway, with significant growth in Indonesia and product innovation in Mexico.

Technology and risk management

• Proprietary AI-driven risk management system covers the entire loan lifecycle, including fraud detection and credit assessment.

• Multiple AI-powered platforms enhance data management, marketing, R&D, and customer service efficiency.

• 100% AI-automated approval and processing for loans, with big data and advanced analytics supporting risk control.