CNFinance Holdings Limited reported significant declines in loan transactions and interest income in the first half of 2025, prioritizing risk management and asset quality amidst a challenging market environment.

• Signed sales partners increased by 2% year-on-year to 2,184, with borrower introductions growing by 3.3%.
• Loan transactions fell dramatically by 78.1% year-on-year, with total loan origination dropping 85.4%, leading to a loan balance decrease of 29.6% to RMB 11.2 billion.
• Interest income declined 55% year-on-year to RMB 416 million, while operating expenses were reduced by 74%, showcasing effective cost control.
• The net loss for the period was RMB 40.4 million, driven by an impairment loss provision of RMB 31.3 million and an increase in nonperforming loans ratio to 16.9%.
• Diverse strategies for NPL reduction led to a recovery rate of 103%, while the company continues to stabilize funding sources and expand into new business areas.