On August 19, 2025 Beijing time, fintech company X Financial (XYF.US) released its unaudited financial results for the second quarter ended June 30, 2025. Financial data shows that total loan facilitation and provision in Q2 2025 reached RMB 38.994 billion, with outstanding loan balance of RMB 64.911 billion as of the end of Q2 2025.

X Financial President Li Kan stated: "The second quarter of 2025 continued our steady growth trajectory, with total loan facilitation and disbursement approaching RMB 39 billion, benefiting from our continuous platform optimization and rigorous risk management. While maintaining healthy asset quality, we enhanced platform scalability through data-driven underwriting and operational automation. These achievements reflect our team's firm commitment to prudent development and long-term value creation."

**Policy Support Empowers Real Economy, "Dual-Track" Approach Illuminates Path for Small Businesses**

During Q2 2025, China's macroeconomic policies worked synergistically, with consumer market activity steadily improving, creating favorable conditions for small business development. The successive introduction of policies such as "Several Measures to Support Small Business Financing" provided policy support for optimizing the financing environment and assisting stable development of small businesses.

X Financial actively responded to policy guidance by launching the "Be Your Own Light" annual support program, implementing dual-track initiatives through the "Small Store Spotlight Program" and "User Illumination Program" to inject financial support into small businesses and other real economy entities, while protecting user rights through innovative consumer protection measures, demonstrating corporate responsibility.

Financial data reveals: Q2 2025 total loan facilitation and provision reached RMB 38.994 billion; Q2 2025 total net revenue was RMB 2.273 billion; outstanding loan balance as of end of Q2 2025 was RMB 64.911 billion. As of June 30, 2025, the 31-60 day delinquency rate among outstanding loans was 1.16%, while the 91-180 day delinquency rate was 2.91%.

X Financial CFO Zheng Fuya commented: "We achieved excellent financial performance in Q2 2025, demonstrating our core profitability and prudent cost management. We continue to maintain profit margin control while achieving high-quality business growth."

**Technology Delivers Financial Warmth, Industry-Academia-Research Integration Promotes Digital Intelligence Development**

In the process of financial support for high-quality real economy development, technology has become core support. X Financial leverages its self-developed intelligent technology system to continuously explore new ways of technology-enabled finance, bringing more efficient and precise financial services to small business owners and new citizens.

During Q2, the "Digital Finance Laboratory" jointly established by X Financial with Renmin University of China Shenzhen Research Institute [Institute for Advanced Studies in Social Sciences (Shenzhen)] and Renmin University of China Shenzhen Institute of Advanced Finance was unveiled in Shenzhen, with related symposiums held simultaneously. This collaboration represents deep integration of university research capabilities with corporate practical strength. Leveraging Renmin University's disciplinary advantages in finance and artificial intelligence alongside X Financial's practical experience, the laboratory will integrate resources to break through technical barriers, aiming to create an influential industry-academia-research platform and promote theoretical innovation and technology transfer achievements.

Building on deep industry-academia-research integration, X Financial continues breakthrough innovation in AI technology applications. In 2025, X Financial will launch its corporate virtual digital persona Win-Daidai, upgrading brand interaction paradigms with generative AI technology, showcasing its frontier exploration in AI-integrated service scenarios. Win-Daidai will serve as a 7×24 intelligent customer service, providing users with more efficient immersive customer service experiences to effectively and promptly resolve user issues. Simultaneously, it will serve as X Financial's digital brand ambassador, primarily applied in consumer protection promotion scenarios, transforming anti-fraud cases into vivid stories that better reach users through humanized emotional expression and efficient AIGC output, making financial consumer protection more knowable, perceivable, and accessible.

**Deep Commitment to Social Responsibility, Public Welfare and Consumer Protection in Harmony**

X Financial continues practicing social responsibility, deeply integrating public welfare practices with consumer rights protection, making finance more caring and services more people-oriented through diversified service measures.

X Financial consistently treats consumer rights protection as a systematic project for sustainable development, continuously conducting user education activities. The established "Anti-Fraud Column" covers approximately one million people, effectively playing a role in popularizing financial security knowledge and alerting to financial risks. Meanwhile, enriching consumer protection promotional content through comics, videos and other formats, creating user-focused series such as "Sailing with Trust, Creating the Future - Trustworthy Energy Station for Win Friends," allowing more consumers to benefit through engaging educational approaches, comprehensively enhancing users' sense of achievement and security in financial services.

X Financial's public welfare practices have also yielded abundant results. During Q2, the X Financial Public Welfare Library celebrated its first anniversary of operation. This "cultural lighthouse" standing in Chenjiang Central Primary School in Xunwu County, Jiangxi, with its collection of 40,000 books, achieved a leap from "hardware facilities" to "cultural ecosystem," becoming a "cultural hub" that activates rural cultural vitality and delivering substantial results for rural cultural revitalization.

Simultaneously, X Financial Public Welfare connects more social philanthropic hearts through initiatives like Dream-Building Charity, focusing on children's education and healthy development in impoverished areas of Kenya, Africa, conducting school construction and other public welfare projects, continuing to advance "sustainable + replicable" effective public welfare models, letting the warmth of charity illuminate more distant places.