Comprehensive Union (CNF.US) has achieved significant results in controlling non-performing loans in 2025, with disposal proceeds covering the full principal amount.

In the first half of 2025, in the overall positive environment of the "double reduction" of non-performing loans in the banking industry, CNF.US focused on the key breakthrough in reducing non-performing loans - through diversified disposal methods such as reaching settlements with borrowers, successfully curbing the upward trend of non-performing loans. The amount of disposed funds in the year has already covered the entire principal of non-performing loans, laying a solid risk "firewall" for the company's stable operation. According to the latest data from the China Banking and Insurance Regulatory Commission, the balance of non-performing loans in commercial banks at the end of the second quarter of 2025 was 3.4 trillion yuan, a decrease of 24 billion yuan from the end of the previous quarter; the non-performing loan ratio was 1.49%, a decrease of 0.02 percentage points from the end of the previous quarter, indicating a stable overall financial environment. Wang Jingwu, vice president of the Industrial and Commercial Bank of China, also stated earlier that with the continuous release of the benefits of stable economic policies, the deteriorating trend of personal consumption loans will gradually slow down in the future. In this context, CNF.US closely follows the core principle of the "survival first, victory first" at the 2025 mid-year work conference, deeply integrating non-performing loan control with the "123" strategy: on one hand, through the refined operation of the loan service platform, continuously optimize the asset structure, focus on high-quality real estate assets mortgaged in first-tier and second-tier cities (previous data showed that assets in first-tier and new first-tier cities accounted for 88%), reducing risk exposure from the source; on the other hand, innovate disposal methods, in addition to reaching settlements with borrowers, also rely on accumulated risk control experience and the mechanism of risk sharing with "senior - mezzanine - junior" partners to improve the efficiency of non-performing asset disposal, ultimately achieving full coverage of disposed funds on non-performing loans. As a leading company in the field of loan services for small and medium-sized enterprises in China, the effective non-performing loan control by CNF.US not only validates the effectiveness of its risk disposal capabilities, but also solidifies its foundation in serving small and medium-sized enterprises. The company stated that it will continue to deepen its financing service capabilities on the basis of sound risk control, providing more convenient and economical financing solutions for small and medium-sized enterprise owners and individual business operators, and promoting its continuous progress on the track of high-quality development.