This decrease was primarily due to our expense control measures. Operation and Servicing Expenses Our operation and servicing expenses decreased by 23.8% from RMB5.0 billion in 2024 to RMB3.8 billion (US$0.5 billion) in 2025, primarily due to a decrease in loan-related operating expenses, our expense control measures and the decrease in the loan balance, partially offset by the increased resources we invested in

filing / Apr 30, 2026 / receipt

Our operation and servicing expenses decreased by 23.8% from RMB5.0 billion in 2024 to RMB3.8 billion (US$0.5 billion) in 2025, primarily due to a decrease in loan-related operating expenses, our expense control measures and the decrease in the loan balance, partially offset by the increased resources we invested in collection services.

filing / Apr 30, 2026 / receipt

Tongzhuan Xi was appointed as our chief financial officer, executive director and authorized representative under Rule 3.05 of the Hong Kong Listing Rules, effective on the same date.

filing / Apr 30, 2026 / receipt

Tongzhuan Xi has served as a director and the chief financial officer of our company since April 2025. Mr. Xi has extensive experience in financial services consulting, investment, and management.

filing / Apr 30, 2026 / receipt

marketing expenditures to improve brand awareness, enhancing our operating infrastructure, acquiring complementary businesses and technologies, obtaining necessary approvals, licenses or permits and pursuing international expansion.

filing / Apr 30, 2026 / receipt