{"id":7273,"date":"2022-03-18T10:00:00","date_gmt":"2022-03-18T10:00:00","guid":{"rendered":"https:\/\/www.prnasia.com\/story\/archive\/3696450_CN96450_0"},"modified":"2022-03-18T10:00:00","modified_gmt":"2022-03-18T10:00:00","slug":"cnfinance-announces-fourth-quarter-2021-and-fiscal-year-2021-unaudited-financial-results","status":"publish","type":"post","link":"https:\/\/transmediavictoria.net.au\/?p=7273","title":{"rendered":"CNFinance Announces Fourth Quarter 2021 and Fiscal Year 2021 Unaudited Financial Results"},"content":{"rendered":"<p><span class=\"xn-location\">GUANGZHOU, China<\/span>, <span class=\"xn-chron\">March 18, 2022<\/span> \/PRNewswire\/ &#8212;&nbsp;CNFinance Holdings Limited (NYSE: CNF) (&#8220;CNFinance&#8221; or the &#8220;Company&#8221;), a leading home equity loan service provider in <span class=\"xn-location\">China<\/span>, today announced its unaudited financial results for the fourth quarter and fiscal year ended <span class=\"xn-chron\">December 31, 2021<\/span>.<\/p>\n<p><b>Fourth Quarter 2021 Operational and Financial Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Total loan origination volume<sup>[1]<\/sup> was <span class=\"xn-money\">RMB3.1 billion<\/span> (<span class=\"xn-money\">US$480.1 million<\/span>) during the fourth quarter of 2021, representing an increase of 14.8% from <span class=\"xn-money\">RMB2.7 billion<\/span> in the same period of 2020. <\/li>\n<li>Total number of transactions<sup>[2]<\/sup> was 5,510 during the fourth quarter of 2021, representing an increase of 6.5% from 5,172 in the same period of 2020. <\/li>\n<li>Total interest and fees income were <span class=\"xn-money\">RMB448.8 million<\/span> (<span class=\"xn-money\">US$70.4 million<\/span>) in the fourth quarter of 2021, representing an increase of 6.6% from <span class=\"xn-money\">RMB421.1 million<\/span> in the same period of 2020. <\/li>\n<li>Net income\/(losses) was a net loss of <span class=\"xn-money\">RMB104.9 million<\/span> (<span class=\"xn-money\">US$16.5 million<\/span>) in the fourth quarter of 2021, comparing with a net income of <span class=\"xn-money\">RMB105.3 million<\/span> in the same period of 2020. <\/li>\n<li>Basic and diluted earnings per ADS were <span class=\"xn-money\">RMB(1.53)<\/span> (<span class=\"xn-money\">US$(0.24)<\/span>) and <span class=\"xn-money\">RMB(1.53)<\/span>(<span class=\"xn-money\">US$(0.24)<\/span>), respectively, in the fourth quarter of 2021, as compared to <span class=\"xn-money\">RMB1.54<\/span> and <span class=\"xn-money\">RMB1.42<\/span>, respectively, in the same period of 2020.<\/li>\n<\/ul>\n<p><b>Fiscal Year 2021 Operational and Financial Highlights<\/b><\/p>\n<ul type=\"disc\">\n<li>Total loan origination volume<sup>[1]<\/sup>was <span class=\"xn-money\">RMB12.8 billion<\/span> (<span class=\"xn-money\">US$2.0 billion<\/span>) during the fiscal year of 2021, representing an increase of 45.5% from <span class=\"xn-money\">RMB8.8 billion<\/span> in 2020. <\/li>\n<li>Total outstanding loan principal<sup>[3]<\/sup> was <span class=\"xn-money\">RMB10.4 billion<\/span> as of <span class=\"xn-chron\">December 31, 2021<\/span>, as compared to <span class=\"xn-money\">RMB9.7 billion<\/span> as of <span class=\"xn-chron\">December 31, 2020<\/span>. <\/li>\n<li>Total number of active borrowers<sup>[4]<\/sup> was 22,741 as of <span class=\"xn-chron\">December 31, 2021<\/span>, as compared to 25,337 as of <span class=\"xn-chron\">December 31, 2020<\/span>. <\/li>\n<li>Total number of transactions was 22,060 during the fiscal year of 2021, representing an increase of 24.6% from 17,703 in 2020. <\/li>\n<li>Total interest and fees income were <span class=\"xn-money\">RMB1,782.4 million<\/span> (<span class=\"xn-money\">US$279.7 million<\/span>) for the fiscal year of 2021, representing a decrease of 3.4% from <span class=\"xn-money\">RMB1,844.8 million<\/span> in 2020. <\/li>\n<li>Net income was <span class=\"xn-money\">RMB65.0 million<\/span> (<span class=\"xn-money\">US$10.3 million<\/span>) for the fiscal year of 2021, representing a decrease of 43.4% from <span class=\"xn-money\">RMB114.9 million<\/span> in 2020. <\/li>\n<li>Basic and diluted earnings per ADS were <span class=\"xn-money\">RMB0.95<\/span>(<span class=\"xn-money\">US$0.15<\/span>) and <span class=\"xn-money\">RMB0.90<\/span> <span class=\"xn-money\">(US$0.14)<\/span>, respectively, in the fiscal year of 2021, as compared to <span class=\"xn-money\">RMB1.67<\/span> and <span class=\"xn-money\">RMB1.55<\/span>, respectively, in 2020.<\/li>\n<\/ul>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"5\">\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[1]<\/sup>&nbsp;Refers to the total amount of loans CNFinance originated during the relevant period. <\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[2]<\/sup> Refers to the total number of loans CNFinance originated during the relevant period.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[3]<\/sup> Refers to the total amount of loans outstanding for loans CNFinance at the end of the relevant period.<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><sup>[4]<\/sup> Refers to borrowers with outstanding loan principal of home equity loans as at the end of a specific period.<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>&#8220;The year of 2021 was very important in CNF&#8217;s history as we achieved major success in expanding our Collaboration Model. During the year, we dedicated to work under the government&#8217;s call of &#8216;working on providing financial solutions for MSEs&#8217;. We acted as the bridge connecting our funding partners and MSE owners and helped over 22,000 of them get access to capital to meet their most urgent needs. The loan origination volume of 2021 was <span class=\"xn-money\">RMB12.8 billion<\/span> and the outstanding loan principal under the Collaboration Model was <span class=\"xn-money\">RMB10.2 billion<\/span> as of <span class=\"xn-chron\">December 31, 2021<\/span>. In 2021, we achieved major breakthroughs in our bank lending model as we finalized our terms with certain renowned commercial banks. We believe the success of the bank lending model will provide momentum to our further reformation.<\/p>\n<p>While recognizing our achievements, we are keenly aware of our greater mission in 2022. As I have introduced on many occasions, as a key component to build <span class=\"xn-location\">China&#8217;s<\/span> inclusive financial system, CNF shoulders important responsibilities to help MSEs to meet their most urgent financing needs, which requires us to forge ahead to provide better services and solutions. Our goal for 2022 is to build our model into a real service platform under which we bear less risks and do not carry heavy assets on our book. We believe such model will be the solution to cover more MSEs while maintaining sustainable growth of our business, and to create continuous return for our shareholders.&#8221; Commented Mr. Bin Zhai, Chairman and CEO of CNFinance.<\/p>\n<p><b>Fourth Quarter 2021 Financial Results<\/b><\/p>\n<p><b>Total interest and fees income<\/b>&nbsp;for the fourth quarter of 2021 increased by 6.6% to <span class=\"xn-money\">RMB448.8 million<\/span> (<span class=\"xn-money\">US$70.4 million<\/span>) as compared to <span class=\"xn-money\">RMB421.1 million<\/span> for the same period of 2020.<\/p>\n<p><i>Interest and financing service fees on loans <\/i>increased by 6.6% to <span class=\"xn-money\">RMB444.7 million<\/span> (<span class=\"xn-money\">US$69.8 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB417.1 million<\/span> for the same period of 2020, primarily due to the increase in the balance of average daily outstanding loan principal.<\/p>\n<p><i>Interest on deposits with banks<\/i>&nbsp;increased by 2.5% to <span class=\"xn-money\">RMB4.1 million<\/span> (<span class=\"xn-money\">US$0.6 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB4.0 million<\/span> for the same period of 2020, primarily due to larger average daily balance of time deposits in the fourth quarter of 2021 as compared to the same period of 2020.<\/p>\n<p><b>Total interest and fees expenses<\/b><b>&nbsp;<\/b>increased by 28.8% to <span class=\"xn-money\">RMB205.2 million<\/span> (<span class=\"xn-money\">US$32.2 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB159.3 million<\/span> for the same period of 2020, primarily due to&nbsp;the increase in the principals of other borrowings as well as the funding cost from trust companies.<\/p>\n<p><b>Net interest and fees income<\/b>&nbsp;decreased by 7.0% to <span class=\"xn-money\">RMB243.6 million<\/span> (<span class=\"xn-money\">US$38.2 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB261.8 million<\/span> for the same period of 2020 as the increase in interest and fees expenses being more significant than the increase in interest and fees income.<\/p>\n<p><b>Collaboration cost for sales partners, <\/b>representing sales incentives paid to sales partners, increased to <span class=\"xn-money\">RMB119.5 million<\/span> (<span class=\"xn-money\">US$18.8 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB104.4 million<\/span> for the same period of 2020, primarily due to the increase in average daily outstanding loan principal under the collaboration model as compared to the same period of 2020. <\/p>\n<p><b>Net interest and fees income after collaboration cost<\/b>&nbsp;was <span class=\"xn-money\">RMB124.1 million<\/span> (<span class=\"xn-money\">US$19.4 million<\/span>) for the fourth quarter of 2021, representing a decrease of 21.2% from <span class=\"xn-money\">RMB157.4 million<\/span> in the same period of 2020 due to higher interest and fees expenses.<\/p>\n<p><b>Provision for credit losses <\/b>recorded a reversal of <span class=\"xn-money\">RMB308.2 million<\/span> (<span class=\"xn-money\">US$48.4 million<\/span>) for the fourth quarter of 2021 as compared to a reversal of <span class=\"xn-money\">RMB30.9 million<\/span> for the same period of 2020, primarily due to the combined effect of (a) higher loss given default (LGD) under the current expected credit loss (CECL) model which takes into account the Company&#8217;s historical data of actual loss in the past few years, and (b) the fact that the Company transferred loans under the traditional facilitation model to third parties in bulk during the fourth quarter of 2021 and the allowance of such loans was reversed. <\/p>\n<p><b>Net gains\/(losses) on sales of loans<\/b> decreased to a net loss of <span class=\"xn-money\">RMB468.6million<\/span> (<span class=\"xn-money\">US$73.5 million<\/span>) for the fourth quarter of 2021 from a net gain of <span class=\"xn-money\">RMB43.7 million<\/span> in the same period of 2020, primarily attributable to the fact that the Company transferred loans under the traditional facilitation model to third parties in bulk during the fourth quarter of 2021. Such loans were all facilitated prior to 2019, and the majority of them were long past due and therefore sold at a large discount.<\/p>\n<p><b>Other gains, net<\/b>&nbsp;was <span class=\"xn-money\">RMB16.2 million<\/span> (<span class=\"xn-money\">US$2.5 million<\/span>) for the fourth quarter of 2021, compared to <span class=\"xn-money\">RMB7.8 million<\/span> for the same period of 2020, primarily attributable to (a) the increase of Credit Risk Mitigation Position forfeited by the sales partners, and (b) the credit loss associated with an investment in debt securities. During the fourth quarter of 2021, the Company established a limited partnership with a third-party company, in which the Company acts as the limited partner and receives fixed rate of return of its investment on a quarterly basis, and such investment is recognized as debt securities.<\/p>\n<p><b>Total operating expenses <\/b>decreased by 7.6% to <span class=\"xn-money\">RMB106.3 million<\/span> (<span class=\"xn-money\">US$16.7million<\/span>) for the fourth quarter of 2021, compared with <span class=\"xn-money\">RMB115.0 million<\/span> for the same period of 2020. <\/p>\n<p><i>Employee compensation and benefits<\/i>&nbsp;increased by 19.5% to <span class=\"xn-money\">RMB62.4 million<\/span> (<span class=\"xn-money\">US$9.8 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB52.2 million<\/span> for the same period of 2020, primarily due to a one-time compensation payment to our former CFO as he stepped down from his position in the fourth quarter of 2021.<\/p>\n<p><i>Share-based compensation expenses<\/i><b>&nbsp;<\/b>decreased by 69.7% to <span class=\"xn-money\">RMB4.7 million<\/span> (<span class=\"xn-money\">US$0.7 million<\/span>) for the fourth quarter of 2021 from <span class=\"xn-money\">RMB15.5 million<\/span> in the same period of 2020. According to the Company&#8217;s share option plan adopted on <span class=\"xn-chron\">December 31, 2019<\/span>, approximately 50%, 30% and 20% of the option granted will be vested on <span class=\"xn-chron\">December 31, 2020<\/span>, 2021 and 2022, respectively. Related compensation cost of the option grants will be recognized over the requisite period.<\/p>\n<p><i>Taxes and surcharges<\/i>&nbsp;decreased by 20.5% to <span class=\"xn-money\">RMB10.1 million<\/span> (<span class=\"xn-money\">US$1.6 million<\/span>) for the fourth quarter of 2021, as compared to <span class=\"xn-money\">RMB12.7 million<\/span> for the same period of 2020, primarily attributable to a decrease in the non-deductible value added tax (&#8220;VAT&#8221;). The decrease in VAT was attributable to the characterization of certain amounts as &#8220;service fees charged to trust plans&#8221; which are a non-deductible item. According to PRC tax regulations, &#8220;service fees charged to trust plans&#8221; incur a 6% VAT on the subsidiary level, but are not recorded as an input VAT on a consolidated trust plan level. &#8220;Service fees charged to trust plans&#8221; were significantly decreased in the fourth quarter of 2021 compared to the same period of 2020 due to maturity of some trust plans. <\/p>\n<p><i>Operating lease cost<\/i>&nbsp;decreased by 30.4% to <span class=\"xn-money\">RMB3.2 million<\/span> (<span class=\"xn-money\">US$0.5 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB4.6 million<\/span> for the same period of 2020, primarily due to the continued development of the collaboration model that allowed the Company to further reduce the office leasing costs which was used to rent offices to accommodate sales staff.<\/p>\n<p><i>Other expenses <\/i>decreased by 14.0% to <span class=\"xn-money\">RMB25.9 million<\/span> (<span class=\"xn-money\">US$4.1 million<\/span>) for the fourth quarter of 2021 as compared to <span class=\"xn-money\">RMB30.1 million<\/span> for the same period of 2020, such expenses were mainly attributable to decreases in (a) the IT R&amp;D and outsourcing service fees related to an employee service technology platform which was delivered and paid in full; (b) service fees paid to third-party consultants, and (c) costs related to the promotion of the collaboration model as it has been widely accepted.&nbsp;<\/p>\n<p><b>Income tax (expense)\/benefit<\/b>&nbsp;recorded an income tax benefit of <span class=\"xn-money\">RMB15.4 million<\/span> (<span class=\"xn-money\">US$2.4 million<\/span>) for the fourth quarter of 2021 as compared to an income tax expense of <span class=\"xn-money\">RMB24.2 million<\/span> for the same period of 2020, primarily due to the fact that the Company recorded a loss before income tax for the fourth quarter of 2021, such loss was due to the loss associated with the sale of loans under the traditional facilitation model in bulk during the fourth quarter of 2021. Such loans were all facilitated prior to 2019, and the majority of them were long past due and therefore sold at a large discount.<\/p>\n<p><b>Effective tax rate<\/b>&nbsp;was 12.8% for the fourth quarter of 2021 as compared to 18.7% in the same period of 2020, primarily due to the combined effect of (a) the non-deductible share-based compensation expenses which decreased to <span class=\"xn-money\">RMB4.7 million<\/span> (<span class=\"xn-money\">US$0.7 million<\/span>) for the fourth quarter of 2021 from <span class=\"xn-money\">RMB15.5 million<\/span> in the same period of 2020; (b) the fourth quarter of 2021 had losses before income tax of <span class=\"xn-money\">RMB120.3 million<\/span> (<span class=\"xn-money\">US$18.9 million<\/span>) as compared to income before income tax of <span class=\"xn-money\">RMB129.5 million<\/span> in the same period of 2020, leading to a negative tax effect of the non-deductible share-based compensation expenses in the current period; and (c) our Hongkong subsidiary incurred losses before income tax of <span class=\"xn-money\">RMB11.6 million<\/span>(<span class=\"xn-money\">US$1.8 million<\/span>) expected not to be deductible in the future, thus no deferred tax assets were recognized.<\/p>\n<p><b>Net income\/(losses) <\/b>was a net loss of <span class=\"xn-money\">RMB104.9 million<\/span> (<span class=\"xn-money\">US$16.5 million<\/span>) for the fourth quarter of 2021 as compared to a net income of <span class=\"xn-money\">RMB105.3 million<\/span> for the same period of 2020.<\/p>\n<p><b>Basic and diluted earnings per ADS <\/b>were <span class=\"xn-money\">RMB(1.53)<\/span> (<span class=\"xn-money\">US$(0.24)<\/span>) and <span class=\"xn-money\">RMB(1.53)<\/span> (<span class=\"xn-money\">US$(0.24)<\/span>), respectively, compared to <span class=\"xn-money\">RMB1.54<\/span> and <span class=\"xn-money\">RMB1.42<\/span>, respectively, for the same period of 2020. One ADS represents 20 ordinary shares.<\/p>\n<p><b>Fiscal Year 2021 Financial Results<\/b><\/p>\n<p><b>Total interest and fees income<\/b>&nbsp;for fiscal year 2021 decreased by 3.4% to <span class=\"xn-money\">RMB1,782.4 million<\/span> (<span class=\"xn-money\">US$279.7 million<\/span>) as compared to <span class=\"xn-money\">RMB1,844.8 million<\/span> for the same period of 2020.<\/p>\n<p><i>Interest and financing service fees on loans <\/i>decreased by 3.2% to <span class=\"xn-money\">RMB1,770.4 million<\/span> (<span class=\"xn-money\">US$277.8 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB1,828.7 million<\/span> for the same period of 2020, primarily due to the lowered interest rate on loans facilitated in an effort to comply with rules and regulations issued by relevant PRC regulatory authorities, including the Decisions of the Supreme People&#8217;s Court to Amend the Provisions on Several Issues concerning the Application of Law in the Trial of Private Lending Cases issued in <span class=\"xn-chron\">August 2020<\/span>.<\/p>\n<p><i>Interest on deposits with banks<\/i>&nbsp;decreased by 25.5% to <span class=\"xn-money\">RMB12.0 million<\/span> (<span class=\"xn-money\">US$1.9 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB16.1 million<\/span> for the same period of 2020, primarily due to the smaller daily average amount of time deposits in the fiscal year of 2021 as compared to 2020.<\/p>\n<p><b>Interest and fees expenses <\/b>increased by 6.1% to <span class=\"xn-money\">RMB775.6 million<\/span> (<span class=\"xn-money\">US$121.7 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB731.3 million<\/span> for the same period of 2020, primarily due to&nbsp;the increase in the principals of other borrowings as well as the funding cost from trust companies.<\/p>\n<p><b>Net interest and fees income<\/b>&nbsp;decreased by 9.6% to <span class=\"xn-money\">RMB1,006.8 million<\/span> (<span class=\"xn-money\">US$158.0 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB1,113.5 million<\/span> for the same period of 2020.<\/p>\n<p><b>Collaboration cost for sales partners <\/b>representing sales incentives paid to sales partners increased to <span class=\"xn-money\">RMB425.7 million<\/span> (<span class=\"xn-money\">US$66.8 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB415.1 million<\/span> for the same period of 2020, primarily due to the increase in average daily outstanding loan principal under the collaboration model as compared to the same period of 2020. <\/p>\n<p><b>Net interest and fees income after collaboration cost<\/b>&nbsp;was <span id=\"spanHghlt0d40\">RMB581.1<\/span> million (<span class=\"xn-money\">US$91.2 million<\/span>) for the fiscal year of 2021, representing a decrease of 16.8% as compared to <span class=\"xn-money\">RMB698.4 million<\/span> for the same period of 2020. <\/p>\n<p><b>Provision for credit losses <\/b>recorded a reversal of <span class=\"xn-money\">RMB278.2 million<\/span> (<span class=\"xn-money\">US$43.7 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB277.6 million<\/span> for the same period of 2020, mainly due to a combined effect of (a) the fact that the Company transferred loans under the traditional facilitation model to third parties in bulk during the fourth quarter of 2021 and the allowance of such loans was reversed, (b) the higher loss given default (LGD) under the current expected credit loss (CECL) model which takes into account the Company&#8217;s historical data of actual loss in the past few years, partially offset by (c) the lower probability of default (PD) under the current expected credit loss (CECL) model which takes into account the outlook of a more positive economy growth of <span class=\"xn-location\">China<\/span> in the fiscal year of 2021 as compared to that of the same period of 2020 under the impact of COVID-19 pandemic. &nbsp;<\/p>\n<p><b>Net gains\/(losses) on sales of loans<\/b> decreased to a net loss of <span class=\"xn-money\">RMB450.7 million<\/span> (<span class=\"xn-money\">US$70.7 million<\/span>) for the fiscal year of 2021 from a net gain of <span class=\"xn-money\">RMB149.6 million<\/span> in the same period of 2020, primarily attributable to the fact that the Company transferred loans under the traditional facilitation model to third parties in bulk during the fourth quarter of 2021. Such loans consist of loans that are long past due and therefore sold at a large discount.<\/p>\n<p><b>Other gains, net<\/b>&nbsp;was <span class=\"xn-money\">RMB50.1 million<\/span> (<span class=\"xn-money\">US$7.9 million<\/span>) for the fiscal year of 2021, compared with <span class=\"xn-money\">RMB19.8 million<\/span> in the same period of 2020. When a loan defaults and the sales partner chooses to repurchase such loan in installments, the Company would charge certain percentage of the loan as the fund possession fee. The increase in other gains for the fiscal year of 2021 was primarily due to the fact that there was a larger number of cases where delinquent loans were repurchased by the sales partner in installments, which led to an increase in fund possession fee received by the Company.<\/p>\n<p><b>Total operating expenses <\/b>decreased by 14.9% to <span class=\"xn-money\">RMB381.0 million<\/span> (<span class=\"xn-money\">US$59.8 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB447.7 million<\/span> for the same period of 2020. <\/p>\n<p><i>Employee compensation and benefits <\/i>increased by 10.9% to <span class=\"xn-money\">RMB211.2 million<\/span> (<span class=\"xn-money\">US$33.1 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB190.4 million<\/span> for the same period of 2020, primarily due to a one-time compensation payment to our Former CFO as he stepped down from his position in the fourth quarter of 2021.<\/p>\n<p><i>Share-based compensation expenses<\/i><b>&nbsp;<\/b>decreased by 69.7% to <span class=\"xn-money\">RMB18.8 million<\/span> (<span class=\"xn-money\">US$3.0 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB62.1 million<\/span> for the same period of 2020. According to the Company&#8217;s share option plan adopted on <span class=\"xn-chron\">December 31, 2019<\/span>, approximately 50%, 30% and 20% of the option granted will be vested on <span class=\"xn-chron\">December 31, 2020<\/span>, 2021 and 2022, respectively. Related compensation cost of the option grants will be recognized over the requisite period.<\/p>\n<p><i>Taxes and surcharges<\/i>&nbsp;decreased by 27.9 % to <span class=\"xn-money\">RMB35.7 million<\/span> (<span class=\"xn-money\">US$5.6 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB49.5 million<\/span> for the same period of 2020, primarily attributable to a decrease in the non-deductible value added tax (&#8220;VAT&#8221;). The decrease in VAT was attributable to the characterization of certain amounts as &#8220;service fees charged to trust plans&#8221; which are a non-deductible item. According to PRC tax regulations, &#8220;service fees charged to trust plans&#8221; incur a 6% VAT on the subsidiary level, but are not recorded as an input VAT on a consolidated trust plan level. &#8220;Service fees charged to trust plans&#8221; were significantly decreased in the fiscal year of 2021 compared to the same period of 2020 due to maturity of some trust plans.&nbsp;&nbsp;<\/p>\n<p><i>Operating lease cost<\/i> decreased by 31.8% to <span class=\"xn-money\">RMB14.8 million<\/span> (<span class=\"xn-money\">US$2.3 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB21.7 million<\/span> for the same period of 2020, primarily due to the continued development of the collaboration model that allowed the Company to further reduce the office leasing costs which was used to rent offices to accommodate sales staff.<\/p>\n<p><i>Other expenses<\/i>&nbsp;decreased by 19.0% to <span class=\"xn-money\">RMB100.5 million<\/span> (<span class=\"xn-money\">US$15.8 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB124.0 million<\/span> for the same period of 2020, primarily due to (a) a decrease in the litigation and attorney&#8217;s fees during the ordinary course of business resulted from smaller amount of NPLs disposed through judicial procedure because the Company chose to transfer more NPLs to third party purchasers to accelerate recovery of cash; (b) a decrease in consulting fee; and (c) a decrease in the IT R&amp;D and outsourcing service fees. <\/p>\n<p><b>Income tax expense <\/b>decreased by 39.7% to <span class=\"xn-money\">RMB28.8 million<\/span> (<span class=\"xn-money\">US$4.5 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB47.8 million<\/span> for the same period of 2020, primarily due to the decrease in the amount of taxable income.<\/p>\n<p><b>Effective tax rate<\/b>&nbsp;increased to 30.8% for the fiscal year&nbsp;of 2021 from 29.4% in the same period of 2020, primarily due to the combined effect of (a) the non-deductible share-based compensation expenses which decreased to <span class=\"xn-money\">RMB18.8 million<\/span> (<span class=\"xn-money\">US$3.0 million<\/span>) for the fiscal year&nbsp;of 2021 from <span class=\"xn-money\">RMB62.1 million<\/span> in the same period of 2020; (b) the proceeds of <span class=\"xn-money\">RMB39.9 million<\/span> (<span class=\"xn-money\">US$6.3 million<\/span>) tax-free dividends from equity investment funds in 2021; and (c) the redeemable loss of RMB30.1million (US$4.7 million).<\/p>\n<p><b>Net income <\/b>decreased by 43.4% to <span class=\"xn-money\">RMB65.0 million<\/span> (<span class=\"xn-money\">US$10.3 million<\/span>) for the fiscal year of 2021 as compared to <span class=\"xn-money\">RMB114.9 million<\/span> for the same period of 2020.<\/p>\n<p><b>Basic and diluted earnings per ADS <\/b>were <span class=\"xn-money\">RMB0.95<\/span>(<span class=\"xn-money\">US$0.15<\/span>) and <span class=\"xn-money\">RMB0.90<\/span> <span class=\"xn-money\">(US$0.14)<\/span>, respectively, compared to <span class=\"xn-money\">RMB1.67<\/span> and <span class=\"xn-money\">RMB1.55<\/span>, respectively, in the same period of 2020. One ADS represents 20 ordinary shares.<\/p>\n<p>As of <span class=\"xn-chron\">December 31, 2021<\/span>, the Company held <b>cash and cash equivalents<\/b> of <span class=\"xn-money\">RMB2.2 billion<\/span> (<span class=\"xn-money\">US$350.2 million<\/span>), compared with <span class=\"xn-money\">RMB2.0 billion<\/span> as of <span class=\"xn-chron\">December 31, 2020<\/span>, including <span class=\"xn-money\">RMB1.5<\/span> billion&nbsp;(US$<span id=\"spanHghlta50a\">238.8<\/span> million) and <span id=\"spanHghltb0a6\">RMB1.0<\/span> billion from structured funds as of <span class=\"xn-chron\">December 31, 2021<\/span> and <span class=\"xn-chron\">December 31, 2020<\/span>, respectively, which could only be used to grant new loans and activities.<\/p>\n<p><b>The actual delinquency rate<\/b> for loans originated by the Company increased to 24.1% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 22.6% as of <span class=\"xn-chron\">December 31, 2020<\/span>. Under the collaboration model, the actual delinquency rate for first lien loans increased to 29.1% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 18.0% as of <span class=\"xn-chron\">December 31, 2020<\/span>, and the actual delinquency rate for second lien loans increased to 19.5% as of <span class=\"xn-chron\">December 31, 2021<\/span> as compared to 15.6% as of <span class=\"xn-chron\">December 31, 2020<\/span>. Under the traditional facilitation model, the actual delinquency rate for first lien loans increased to 76.0% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 47.0% as of <span class=\"xn-chron\">December 31, 2020<\/span>, and the actual delinquency rate for second lien loans increased to 75.8% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 43.2% as of <span class=\"xn-chron\">December 31<\/span>, 2020.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/p>\n<p><b>The actual NPL rate<\/b> for loans originated by the Company decreased to 9.4% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 11.7% as of <span class=\"xn-chron\">December 31, 2020<\/span>. Under the collaboration model, the actual NPL rate for first lien loans increased to 12.5% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 6.7% as of <span class=\"xn-chron\">December 31, 2020<\/span>, and the actual NPL rate for second lien loans increased to 6.0% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 4.6% as of <span class=\"xn-chron\">December 31, 2020<\/span>. Under the traditional facilitation model, the actual NPL rate for first lien loans increased to 59.2% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 38.2% as of <span class=\"xn-chron\">December 31, 2020<\/span>, and the actual NPL rate for second lien loans increased to 64.2% as of <span class=\"xn-chron\">December 31, 2021<\/span> from 31.6% as of <span class=\"xn-chron\">December 31, 2020<\/span>.<\/p>\n<p><b>Recent Development<\/b><\/p>\n<p>Mr. <span class=\"xn-person\">Ning Li<\/span> stepped down from the Company&#8217;s Chief Financial Officer position due to personal reasons. Ms. <span class=\"xn-person\">Jing Li<\/span> was appointed as the acting Chief Financial Officer, Assistant President of the Company and the Head of Department of Finance and Internal Control. Ms. Li has 20 years of experience in the financial industry and holds the certificate of ACCA and IPA. Prior to joining CNFinance Holdings Limited in 2008, she has worked for Deloitte and Fanhua Inc. Ms. Li will be in charge of all financial and internal control related matters of the Company.<\/p>\n<p>In <span class=\"xn-chron\">January 2022<\/span>, the Company announced the retirement of Mr. <span class=\"xn-person\">Paul Wolansky<\/span> from the Board of Directors, and the appointment of Mr. <span class=\"xn-person\">Jun Qian<\/span> as a Director of the Company. Mr. Qian joined the Company in 2001 and has served as the Vice President of CNFinance since 2010. Mr. Qian has over 20 years of experience in <span class=\"xn-location\">China&#8217;s<\/span> loan industry and has served in the Company&#8217;s senior management team for more than 15 years.<\/p>\n<p>In <span class=\"xn-chron\">March 2022<\/span>, Mr. <span class=\"xn-person\">Ning Li<\/span> stepped down from his current positions as the Chair of the Company&#8217;s Compensation Committee and the Chair of the Company&#8217;s Nominating and Governance Committee. Mr. Bin Zhai was appointed by the Board of Directors to chair the Compensation Committee and the Nominating and Corporate Governance Committee, effective on <span class=\"xn-chron\">March 15, 2022<\/span>. At the same time, Mr. <span class=\"xn-person\">Jun Qian<\/span> was appointed by the Board of Directors to serve as a member of the Compensation Committee and the Nominating and Corporate Governance Committee, effective on <span class=\"xn-chron\">March 15, 2022<\/span>.<\/p>\n<p><b>Business Outlook<\/b><\/p>\n<p>The extent to which the COVID-19 pandemic impacts the Company&#8217;s results of operations will depend on future developments of the pandemic in <span class=\"xn-location\">China<\/span> and across the globe, which are subject to changes and substantial uncertainty and therefore cannot be predicted. Based on the information available as of the date of this press release, we expect to break even for the first quarter of 2022.<\/p>\n<p>The above outlook is based on the current market conditions and reflects our current and preliminary estimates of market and operating conditions, which are all subject to substantial uncertainty.<\/p>\n<p><b>Conference Call<\/b><\/p>\n<p>CNFinance&#8217;s management will host an earnings conference call at <span class=\"xn-chron\">8:00 AM<\/span> U.S. Eastern Time on <span class=\"xn-chron\">Friday, March 18, 2022<\/span> (<span class=\"xn-chron\">8:00 PM<\/span> Beijing\/ Hong Kong Time on <span class=\"xn-chron\">Friday, March 18, 2022<\/span>).<\/p>\n<p>Dial-in numbers for the live conference call are as follows:<\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">International:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">+1-412-902-4272<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Mainland China<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">+86-4001-201203<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">United States:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">+1-888-346-8982<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Hong Kong:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">+852-3018-4992<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Passcode:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">CNFinance<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>A telephone replay of the call will be available after the conclusion of the conference call until <span class=\"xn-chron\">11:59 PM ET<\/span> on <span class=\"xn-chron\">March 25, 2022<\/span>.<\/p>\n<p>Dial-in numbers for the replay are as follows:<\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"1\">\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">International:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">+1-412-317-0088<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">United States:<\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">+1-877-344-7529<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Passcode:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/p>\n<\/td>\n<td class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7163027<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p>A live and archived webcast of the conference call will be available on the Investor Relations section of CNFinance&#8217;s website at <a target=\"_blank\" href=\"http:\/\/ir.cashchina.cn\/\" rel=\"nofollow noopener\">http:\/\/ir.cashchina.cn\/<\/a>. <\/p>\n<p><b>Statement Regarding Preliminary Unaudited Financial Information<\/b><\/p>\n<p>The unaudited financial information set out in this earnings release is preliminary and subject to potential adjustments. Adjustments to the consolidated financial statements may be identified when audit work has been performed for the Company&#8217;s year-end audit, which could result in significant differences from this preliminary unaudited financial information.<\/p>\n<p><b>Exchange Rate<\/b><\/p>\n<p>The Company&#8217;s business is primarily conducted in <span class=\"xn-location\">China<\/span> and all of the revenues are denominated in Renminbi (&#8220;RMB&#8221;). This announcement contains translations of certain RMB amounts into U.S. dollars at specified rates solely for the convenience of the reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of <span class=\"xn-money\">RMB6.3726<\/span> to <span class=\"xn-money\">US$1.00<\/span>, the exchange rate set forth in the H.10 statistical release of the Board of Governors of the Federal Reserve System as of <span class=\"xn-chron\">December 30, 2021<\/span>. No representation is made that the RMB amounts could have been, or could be, converted, realized or settled into U.S. dollars at that rate on <span class=\"xn-chron\">December 30, 2021<\/span>, or at any other rate.<\/p>\n<p><b>Safe Harbor Statement<\/b><\/p>\n<p>This press release contains forward-looking statements made under the &#8220;safe harbor&#8221; provisions of Section 21E of the Securities Exchange Act of 1934, as amended, and the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as &#8220;will&#8221;, &#8220;expects&#8221;, &#8220;anticipates&#8221;, &#8220;future&#8221;, &#8220;intends&#8221;, &#8220;plans&#8221;, &#8220;believes&#8221;, &#8220;estimates&#8221;, &#8220;confident&#8221; and similar statements. The Company may also make written or oral forward-looking statements in its reports filed with or furnished to the U.S. Securities and Exchange Commission, in its annual report to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. Any statements that are not historical facts, including statements about the Company&#8217;s beliefs and expectations, are forward-looking statements that involve factors, risks and uncertainties that could cause actual results to differ materially from those in the forward-looking statements. Such factors and risks include, but not limited to the following: its goals and strategies, its ability to achieve and maintain profitability, its ability to retain existing borrowers and attract new borrowers, its ability to maintain and enhance the relationship and business collaboration with its trust company partners and to secure sufficient funding from them, the effectiveness of its risk assessment process and risk management system, its ability to maintain low delinquency ratios for loans it originated, fluctuations in general economic and business conditions in <span class=\"xn-location\">China<\/span>, the impact and future development of COVID-19 pandemic in <span class=\"xn-location\">China<\/span> and across the globe, and relevant government law, rules, policies or guidelines regulations relating to the Company&#8217;s corporate structure, business and industry. Further information regarding these and other risks is included in the Company&#8217;s filings with the U.S. Securities and Exchange Commission. All information provided in this press release is current as of the date of the press release, and the Company does not undertake any obligation to update such information, except as required under applicable law.<\/p>\n<p><b>About CNFinance Holdings Limited<\/b><\/p>\n<p>CNFinance Holdings Limited (NYSE: CNF) (&#8220;CNFinance&#8221; or the &#8220;Company&#8221;) is a leading home equity loan service provider in <span class=\"xn-location\">China<\/span>. CNFinance conducts business by collaborating with sales partners and trust company partners. Sales partners are responsible for recommending micro- and small-enterprise (&#8220;MSE&#8221;) owners with financing needs to the Company and the Company introduces eligible borrowers to its trust company partners who will then conduct their own risk assessments and make credit decisions. The Company&#8217;s primary target borrower segment is MSE owners who own real properties in Tier 1 and Tier 2 cities in <span class=\"xn-location\">China<\/span>. The loans CNFinance facilitated are primarily funded through a trust lending model with its trust company partners who are well-established with sufficient funding sources and have licenses to engage in lending business nationwide. The Company&#8217;s risk mitigation mechanism is embedded in the design of its loan products, supported by an integrated online and offline process focusing on risks of both borrowers and collateral and further enhanced by effective post-loan management procedures.<\/p>\n<p><b>For more information, please contact:<\/b><\/p>\n<p>CNFinance<br \/>E-mail: <a target=\"_blank\" href=\"mailto:ir@cashchina.cn\" rel=\"nofollow noopener\">ir@cashchina.cn<\/a> <\/p>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"31.5\">\n<tr readability=\"3\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>CNFINANCE HOLDINGS LIMITED<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Unaudited condensed consolidated balance sheets&nbsp;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td colspan=\"6\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(In thousands)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td rowspan=\"2\" nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>December 31,<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\"><\/td>\n<td colspan=\"3\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\"><\/td>\n<td colspan=\"3\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; US$<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Assets<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Cash, cash equivalents and restricted cash<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,960,923<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,231,437<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">350,161<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Loans principal, interest and financing service fee <br \/>receivables<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,051,220<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">9,677,927<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,518,678<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Allowance for credit losses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">607,965<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,241,060<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">194,749<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Net loans principal, interest and financing service fee<br \/>receivables<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">8,443,255<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">8,436,867<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,323,929<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"14\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Loans held-for-sale (include RMB76,013,067 and<br \/>RMB24,696,075 measured at fair value as of December 31, 2020 and December<\/span><\/p>\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;31,2021, respectively)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">586,207<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">733,975<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">115,177<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Investment securities<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">418,137<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,088,044<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">170,738<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Property and equipment<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,716<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,042<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">477<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Intangible assets and goodwill<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,230<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,009<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">629<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Deferred tax assets<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">75,824<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">46,234<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,255<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Deposits<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">114,052<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">156,954<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">24,629<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Right-of-use assets<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">19,468<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,197<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,542<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Guaranteed assets<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">533,680<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,289,752<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">202,390<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Other assets<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">74,004<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">404,826<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">63,526<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total assets<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>12,233,496<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>14,411,337<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2,261,453<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Liabilities and shareholders&#8217; equity<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Interest-bearing borrowings<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;&nbsp;&nbsp; Borrowings under agreements to repurchase&nbsp;&nbsp;<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">508,577<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">45,250<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,101<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp;&nbsp;&nbsp; Other borrowings<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">5,649,669<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">8,041,892<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,261,948<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Accrued employee benefits<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">29,627<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">24,224<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,801<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Income taxes payable<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">154,807<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">142,404<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">22,346<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Deferred tax liabilities<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">396,594<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">189,824<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">29,788<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Lease liabilities<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">19,545<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,521<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,436<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Credit risk mitigation position<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,209,729<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,348,450<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">211,601<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Other liabilities<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">523,697<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">785,761<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">123,303<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total liabilities<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prnsbts prnsbr1 prnvab prnsbbs prntar prnpl6 prnsbl1 prnpr8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>8,492,245<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>10,593,326<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,662,324<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"27\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"21\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Ordinary shares (USD0.0001 par value; 3,800,000,000<br \/>shares authorized; 1,371,643,240 shares issued and<br \/>outstanding as of December 31, 2020; 1,559,576,960<br \/>shares issued and 1,371,643,240 shares outstanding as<br \/>of December 31, 2021)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">917<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">917<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">144<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Additional paid-in capital<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">999,663<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,018,429<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">159,814<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Retained earnings<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,759,128<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,824,059<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">443,156<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Accumulated other comprehensive losses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(18,457)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(25,394)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(3,985)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total shareholders&#8217; equity<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen9\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,741,251<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>3,818,011<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>599,129<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total liabilities and shareholders&#8217; equity<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>12,233,496<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>14,411,337<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen10\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2,261,453<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"24.5\">\n<tr readability=\"3\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>CNFINANCE HOLDINGS LIMITED<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Unaudited condensed consolidated statements of comprehensive income&nbsp;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(In thousands, except for earnings per share and earnings per ADS)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen5\"><\/td>\n<td class=\"prngen5\"><\/td>\n<td colspan=\"4\" class=\"prngen5\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td colspan=\"5\" class=\"prngen14\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Twelve months ended December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen7\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>US$<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Interest and fees income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Interest and financing service fees<br \/>on loans<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,828,688<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,770,352<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">277,807<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Interest on deposits with banks<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,134<\/span><\/p>\n<\/td>\n<td class=\"prngen10\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">11,973<\/span><\/p>\n<\/td>\n<td class=\"prngen10\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1,879<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prnsbt1 prnsbr1 prnvab prnsbb1 prntal prnpl6 prnsbl1 prnpr8\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total interest and fees income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,844,822<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,782,325<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>279,686<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total interest and fees expenses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(731,315)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(775,566)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(121,703)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net interest and fees income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,113,507<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>1,006,759<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>157,983<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Collaboration cost for sales partners<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(415,104)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(425,736)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(66,808)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net interest and fees income after<br \/>collaboration cost<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>698,403<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>581,023<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>91,175<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Provision for credit losses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(277,586)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">278,190<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">43,654<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net interest and fees income after<br \/>collaboration cost and provision<br \/>for credit losses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>420,817<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>859,213<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>134,829<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Realized gains on sales of investments, net<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">20,154<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,112<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,529<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Net gains\/(losses) on sales of loans<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">149,631<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(450,721)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(70,728)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Other gains, net<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">19,762<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">50,090<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,860<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total non-interest income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>189,547<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(384,519)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(60,339)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Operating expenses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Employee compensation and benefits<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(190,374)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(211,169)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(33,137)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Share-based compensation expenses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(62,074)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(18,766)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2,945)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Taxes and surcharges<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(49,453)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(35,729)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(5,606)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Operating lease cost<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(21,719)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(14,764)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(2,317)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Other expenses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(124,042)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(100,501)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(15,771)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total operating expenses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(447,662)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(380,929)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(59,776)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Income before income tax expense<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>162,702<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>93,765<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>14,714<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Income tax expense<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(47,849)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(28,834)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4,525)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>114,853<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>64,931<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>10,189<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Earnings per share<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Basic<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.08<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.05<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.01<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Diluted<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.08<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.05<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.01<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Earnings per ADS (1 ADS equals 20 ordinary shares)<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Basic<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1.67<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.95<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.15<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Diluted<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1.55<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.9<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.14<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Other comprehensive losses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Net unrealized gains on investment securities<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(171)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Foreign currency translation adjustment<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen17\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(16,167)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen17\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(6,937)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,088)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen18\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><u>&#8212;&#8212;&#8212;&#8212;<\/u><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen18\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><u>&#8212;&#8212;&#8212;&#8212;<\/u><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen18\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><u>&#8212;&#8212;&#8212;&#8212;<\/u><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Comprehensive income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">98,515<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">57,994<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>9,101<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<div>\n<table cellspacing=\"0\" cellpadding=\"0\" border=\"0\" class=\"prntblns\">\n<tbody readability=\"26.5\">\n<tr readability=\"3\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>CNFINANCE HOLDINGS LIMITED<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Unaudited condensed consolidated statements of comprehensive income&nbsp;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td colspan=\"6\" class=\"prngen3\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(In thousands, except for earnings per share and earnings per ADS)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td colspan=\"4\" nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td colspan=\"5\" class=\"prngen14\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Three months ended December 31,<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prnsbtbl prnsbr1 prnvab prnsbb1 prntac prnpl6 prnsbl1 prnpr8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2020<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen20\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen20\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen20\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen20\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>2021<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>RMB<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen5\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen3\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>US$<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Interest and fees income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Interest and financing service fees on<br \/>loans<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">417,118<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">444,695<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">69,782<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Interest on deposits with banks<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">3,992<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,067<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">638<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total interest and fees income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>421,110<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>448,762<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>70,420<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total interest and fees expenses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(159,312)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(205,199)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(32,200)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net interest and fees income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>261,798<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>243,563<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>38,220<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Collaboration cost for sales partners<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(104,381)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(119,455)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(18,745)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net interest and fees income after<br \/>collaboration cost<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>157,417<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>124,108<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>19,475<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Provision for credit losses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">30,873<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">308,245<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">48,370<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net interest and fees income after<br \/>collaboration cost and provision<br \/>for credit losses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>188,290<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>432,353<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>67,845<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"4.5\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"6\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Realized gains on sales of investments, <br \/>net<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">4,609<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">6,058<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">951<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Net gains\/(losses) on sales of loans<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">43,732<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(468,599)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(73,533)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Other gains, net<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">7,833<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">16,206<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,543<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total non-interest income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>56,174<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(446,335)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(70,039)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Operating expenses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Employee compensation and benefits<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(52,213)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(62,416)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(9,794)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Share-based compensation expenses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(15,518)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4,692)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(736)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Taxes and surcharges<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(12,668)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(10,071)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1,580)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Operating lease cost<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4,556)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(3,226)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(507)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Other expenses<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(30,056)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(25,916)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(4,067)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Total operating expenses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(115,011)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(106,321)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(16,684)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Income\/(losses)before income tax <br \/>expense<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>129,453<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(120,303)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(18,878)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Income tax (expense)\/benefit<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen16\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(24,172)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">15,378<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen8\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">2,413<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Net income\/(losses)<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>105,281<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen21\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(104,925)<\/b><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen21\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>(16,465)<\/b><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Earnings per share<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Basic<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.08<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.08)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.01)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Diluted<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">0.07<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.08)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.01)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Earnings per ADS (1 ADS equals 20<br \/>ordinary shares)<\/span><\/p>\n<\/td>\n<td class=\"prngen22\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Basic<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1.54<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1.53)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.24)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen2\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&nbsp; Diluted<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">1.42<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(1.53)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(0.24)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Other comprehensive losses<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\"><\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Net unrealized gains on investment<br \/>securities<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen13\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(593)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">&#8211;<\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">Foreign currency translation<br \/>adjustment<\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen17\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(11,981)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen17\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(5,318)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen17\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(834)<\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"prngen22\"><\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><u>&#8212;&#8212;&#8212;&#8212;<\/u><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><u>&#8212;&#8212;&#8212;&#8212;<\/u><\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td class=\"prngen4\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><u>&#8212;&#8212;&#8212;&#8212;&#8212;-<\/u><\/span><\/p>\n<\/td>\n<\/tr>\n<tr readability=\"3\">\n<td nowrap=\"nowrap\" class=\"prngen2\" readability=\"5\">\n<p class=\"prnews_p\"><span class=\"prnews_span\"><b>Comprehensive (losses)\/income<\/b><\/span><\/p>\n<\/td>\n<td nowrap=\"nowrap\" class=\"prngen11\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">92,707<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen21\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(110,243)<\/span><\/p>\n<\/td>\n<td class=\"prngen4\"><\/td>\n<td nowrap=\"nowrap\" class=\"prngen21\">\n<p class=\"prnews_p\"><span class=\"prnews_span\">(17,299)<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p id=\"PURL\"><img loading=\"lazy\" decoding=\"async\" title=\"Cision\" width=\"12\" height=\"12\" alt=\"Cision\" src=\"https:\/\/c212.net\/c\/img\/favicon.png?sn=CN96450&amp;sd=2022-03-18\"> View original content:<a id=\"PRNURL\" rel=\"nofollow noopener\" href=\"https:\/\/www.prnewswire.com\/news-releases\/cnfinance-announces-fourth-quarter-2021-and-fiscal-year-2021-unaudited-financial-results-301505720.html\" target=\"_blank\">https:\/\/www.prnewswire.com\/news-releases\/cnfinance-announces-fourth-quarter-2021-and-fiscal-year-2021-unaudited-financial-results-301505720.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>GUANGZHOU, China, March 18, 2022 \/PRNewswire\/ &#8212;&nbsp;CNFinance Holdings Limited (NYSE: CNF) (&#8220;CNFinance&#8221; or the &#8220;Company&#8221;), a leading home equity loan service provider in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2021. Fourth Quarter 2021 Operational and Financial Highlights Total loan origination volume[1] was RMB3.1 billion [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":7274,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-7273","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CNFinance Announces Fourth Quarter 2021 and Fiscal Year 2021 Unaudited Financial Results - My Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/transmediavictoria.net.au\/?p=7273\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CNFinance Announces Fourth Quarter 2021 and Fiscal Year 2021 Unaudited Financial Results - My Blog\" \/>\n<meta property=\"og:description\" content=\"GUANGZHOU, China, March 18, 2022 \/PRNewswire\/ &#8212;&nbsp;CNFinance Holdings Limited (NYSE: CNF) (&#8220;CNFinance&#8221; or the &#8220;Company&#8221;), a leading home equity loan service provider in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2021. 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Fourth Quarter 2021 Operational and Financial Highlights Total loan origination volume[1] was RMB3.1 billion [&hellip;]","og_url":"https:\/\/transmediavictoria.net.au\/?p=7273","og_site_name":"My Blog","article_published_time":"2022-03-18T10:00:00+00:00","og_image":[{"width":16,"height":16,"url":"https:\/\/transmediavictoria.net.au\/wp-content\/uploads\/2022\/03\/cnfinance-announces-fourth-quarter-2021-and-fiscal-year-2021-unaudited-financial-results.png","type":"image\/png"}],"author":"admin_tony","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin_tony","Est. reading time":"25 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/transmediavictoria.net.au\/?p=7273#article","isPartOf":{"@id":"https:\/\/transmediavictoria.net.au\/?p=7273"},"author":{"name":"admin_tony","@id":"https:\/\/transmediavictoria.net.au\/#\/schema\/person\/5b51d407d652c0aa802bea269ea5d7e7"},"headline":"CNFinance Announces Fourth Quarter 2021 and Fiscal Year 2021 Unaudited Financial Results","datePublished":"2022-03-18T10:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/transmediavictoria.net.au\/?p=7273"},"wordCount":5074,"image":{"@id":"https:\/\/transmediavictoria.net.au\/?p=7273#primaryimage"},"thumbnailUrl":"https:\/\/transmediavictoria.net.au\/wp-content\/uploads\/2022\/03\/cnfinance-announces-fourth-quarter-2021-and-fiscal-year-2021-unaudited-financial-results.png","articleSection":["Business News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/transmediavictoria.net.au\/?p=7273","url":"https:\/\/transmediavictoria.net.au\/?p=7273","name":"CNFinance Announces Fourth Quarter 2021 and Fiscal Year 2021 Unaudited Financial Results - 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