Exhibit 99.1 Qifu Technology Announces First Quarter 2024 Unaudited Financial Results Shanghai, China, May 19, 2024, Qifu Technology, Inc. (NASDAQ: QFIN; HKEx: 3660) ("Qifu Technology" or the "Company"), a leading Credit-Tech platform in China, today announced its unaudited financial results for the first quarter ended March 31, 2024. First Quarter 2024 Business Highlights • As of March 31, 2024, our platform has connected 159 financial institutional partners and 241.4 million consumers with potential credi ...

Financial Performance - Total revenue for Q2 2024 was RMB 4,160.1 million (USD 572.4 million), an increase from RMB 3,914.3 million in the same period of 2023[12]. - Non-GAAP net profit for Q2 2024 was RMB 1,413.4 million (USD 194.5 million), compared to RMB 1,146.6 million in Q2 2023, reflecting a year-over-year growth of approximately 23.3%[12]. - Operating income was RMB 1,985.0 million (USD 273.1 million), compared to RMB 1,181.5 million in the same period last year, showing significant growth[16]. - Net profit was RMB 1,376.5 million (USD 189.4 million), an increase from RMB 1,093.4 million year-over-year, reflecting strong financial performance[17]. - The net profit margin for Q2 2024 was 33.1%, indicating a healthy profitability level for the company[18]. - The company reported a significant reduction in customer acquisition costs due to diversified channels and prudent strategies[11]. - The company’s diluted earnings per American Depositary Share (ADS) were RMB 8.92 (USD 1.22) for the period[19]. - The company’s non-GAAP diluted earnings per ADS were RMB 9.16 (USD 1.26), reflecting strong operational performance[20]. - For Q3 2024, the company expects to generate a net profit of RMB 1.5 billion to RMB 1.6 billion, and a non-GAAP net profit of RMB 1.55 billion to RMB 1.65 billion, representing a year-on-year growth of 31% to 40%[28]. Loan and Borrower Statistics - As of June 30, 2024, the platform has connected with 160 financial institution partners and 247.6 million consumers with potential credit demand, an increase of 12.2% from 220.6 million last year[9]. - The cumulative number of users with approved credit limits reached 53.6 million, up 13.0% from 47.4 million as of June 30, 2023[9]. - The number of borrowers who successfully withdrew funds (including repeat borrowers) was 32.0 million, a 12.3% increase from 28.5 million as of June 30, 2023[9]. - In Q2 2024, financial institution partners initiated 19,112,187 loans through the platform, with a total loan volume of RMB 95,425 million, a decrease of 23.2% from RMB 124,225 million in the same period last year[9]. - The loan volume initiated under the light capital model, Intelligent Credit Engine (ICE), and other technology solutions amounted to RMB 61,905 million, representing 64.9% of the total initiated amount, down from RMB 71,860 million or a decrease of 13.9% year-on-year[9]. - The total outstanding loan balance was RMB 157,778 million, a decrease of 14.5% from RMB 184,459 million as of June 30, 2023[9]. - The outstanding loan balance under the light capital model, ICE, and other technology solutions was RMB 103,817 million, down 9.6% from RMB 114,835 million as of June 30, 2023[9]. - The 90-day+ delinquency rate for loans initiated by financial institutions on the platform was 3.40% as of June 30, 2024[9]. - The loan refinancing volume for Q2 2024 was 93.0%[9]. Cash Flow and Financial Position - The operating cash flow for the quarter was approximately RMB 19.6 billion, indicating strong cash generation capabilities[12]. - The total cash and cash equivalents at the end of the quarter amounted to approximately RMB 84.9 billion, providing a solid financial foundation for future opportunities[12]. - Cash and cash equivalents rose from RMB 4,177,890 thousand to RMB 6,337,134 thousand, an increase of 51.7%[41]. - The cash generated from operating activities for the three months ended June 30, 2024, was RMB 1,961,616, an increase of 11.3% compared to RMB 1,761,575 in the same period of 2023[45]. - The company’s cash flow from operating activities showed a significant increase, indicating improved liquidity and operational efficiency[44]. Expenses and Cost Management - Sales and marketing expenses were RMB 366.4 million (USD 50.4 million), a decrease from RMB 436.5 million in the same period last year, reflecting a more cautious customer acquisition approach[15]. - General and administrative expenses were RMB 95.1 million (USD 13.1 million), down from RMB 112.8 million year-over-year, indicating improved operational efficiency[15]. - Operating costs and expenses for the six months ended June 30, 2024, decreased to RMB 4,964,159 thousand from RMB 5,324,968 thousand, a reduction of 6.8%[43]. Shareholder Returns and Dividends - The company has approved a semi-annual dividend of $0.30 per Class A ordinary share and $0.60 per American Depositary Share for the first half of 2024, with payment dates expected on October 29, 2024, and around November 1, 2024, respectively[26]. - As of August 13, 2024, the company has repurchased approximately 10.7 million American Depositary Shares at a total cost of about $211 million, averaging $19.7 per share, under a buyback plan authorized for up to $350 million[27]. Leadership and Governance - The board appointed Zhao Fan as the new chairman and Liu Xiangge as an independent director, effective August 13, 2024, indicating a strategic leadership change[24]. Asset and Liability Management - Total assets increased from RMB 45,818,572 thousand to RMB 46,983,049 thousand, representing a growth of 2.54%[41]. - Total liabilities increased from RMB 23,808,715 thousand to RMB 24,350,070 thousand, a rise of 2.27%[41]. - The total equity attributable to shareholders rose from RMB 21,937,483 thousand to RMB 22,568,768 thousand, an increase of 2.87%[41]. Accounting and Financial Reporting - The company follows the CECL model for expected credit losses, adjusting provisions based on estimated values at the initiation or acquisition of financial assets[68]. - The actual interest rate on receivables is calculated using the effective interest method, considering all contractual terms and estimated cash flows over the loan's expected term[69]. - The company recognizes share-based compensation expenses using the straight-line method, with reported income of RMB 49,337 thousand and RMB 11,971 thousand for the six months ending June 30, 2023, and 2024, respectively[69]. - Financial guarantees are accounted for under ASC 326, with provisions recognized at the start of the guarantee and subsequently amortized over the guarantee period[69]. - The company adopts a policy to recognize income from guaranteed premiums monthly, as service fees are collected in installments rather than upfront[69].

Investment Rating - The report maintains an "Overweight" rating for Qifu Technology-S (3660) with a target price of HKD 115.43, corresponding to a 2024 P/E of 6.8x [4] Core Views - The expansion of on-balance sheet loans is the primary driver of profit growth, with financing income increasing by 44% YoY to RMB 1.535 billion in Q1 2024 [4] - Quality growth is identified as the core focus for the company's future development, with continued share buybacks demonstrating management confidence [4] - The company's net take rate (Non-GAAP net profit/average loan balance) expanded to 3.5% in Q1 2024, up from 2.9% in Q1 2023 and 3.2% in Q4 2023 [4] Financial Performance - Q1 2024 revenue reached RMB 4.153 billion, representing a YoY increase of 15.39% but a QoQ decrease of 7.61% [4] - Adjusted net profit for Q1 2024 was RMB 1.205 billion, showing a YoY growth of 23.40% and a QoQ increase of 4.70% [4] - The company's 90+ day delinquency rate rose to 3.35%, primarily due to increased overdue amounts and a decrease in loan balances [4] Future Projections - Revenue is projected to grow to RMB 16.591 billion in 2024, RMB 17.727 billion in 2025, and RMB 18.967 billion in 2026, with YoY growth rates of 1.8%, 6.8%, and 7.0% respectively [4] - Adjusted net profit is expected to reach RMB 4.738 billion in 2024, RMB 5.022 billion in 2025, and RMB 5.738 billion in 2026, with YoY growth rates of 6.4%, 6.0%, and 14.3% respectively [4] Operational Highlights - Q1 2024 credit disbursement amounted to RMB 99.2 billion, a YoY decrease of 9.3%, with approximately 61% of loans provided through the light capital model [4] - The company is actively implementing a USD 350 million share buyback program, with progress ahead of schedule [4]

Qifu Technology, Inc. (NASDAQ:QFIN) Q1 2024 Results Conference Call May 20, 2024 7:30 AM ET Company Participants Karen Ji - Senior Director of Capital Markets Wu Haisheng - Chief Executive Officer Alex Xu - Chief Financial Officer Zheng Yan - Chief Risk Officer Conference Call Participants Chiyao Huang - Morgan Stanley Emma Xu - Bank of America Alex Ye - UBS Yada Li - CICC Operator Thank you for standing by, and welcome to the Qifu Technology First Quarter 2024 Earnings Conference Call. At this time, all pa ...

Financial Performance - For Q1 2024, the total net revenue was RMB 4,153.2 million (USD 575.2 million), an increase from RMB 3,599.2 million in Q1 2023, representing a growth of 15.4%[11] - The operating income for Q1 2024 was RMB 1,364.1 million (USD 188.9 million), up from RMB 1,007.0 million in the same period last year, marking a growth of 35.4%[11] - The non-GAAP net profit for Q1 2024 was RMB 1,204.8 million (USD 166.9 million), compared to RMB 976.3 million in Q1 2023, indicating a growth of 23.3%[11] - Total net income for Q1 2024 reached RMB 1,160,144, an increase of 24.7% compared to RMB 929,822 in Q1 2023[59] - Non-GAAP net profit for Q1 2024 was RMB 1,204,789, a 23.2% increase from RMB 976,318 in Q1 2023[63] - The company reported a diluted earnings per share of RMB 3.65 for Q1 2024, compared to RMB 2.82 in Q1 2023, representing a growth of 29.5%[52] User and Loan Metrics - The number of cumulative users with approved credit limits reached 52.3 million, a 13.8% increase from 46.0 million as of March 31, 2023[9] - The cumulative number of successful borrowers (including repeat borrowers) was 31.2 million, reflecting a 12.6% increase from 27.7 million as of March 31, 2023[9] - The total loan facilitation and initiation amount for Q1 2024 was RMB 99,237 million, a decrease of 9.3% compared to RMB 109,456 million in Q1 2023[9] - The loan balance as of March 31, 2024, was RMB 169,920 million, down 0.8% from RMB 171,302 million a year earlier[9] - The weighted average contract term for loans initiated by financial institutions was approximately 10.10 months, compared to 11.21 months in the same period of 2023[9] - The 90-day+ delinquency rate for loans was 3.35% as of March 31, 2024[9] Revenue and Income Sources - Credit-driven service net income was RMB 3.02 billion, up from RMB 2.63 billion in Q1 2023[16] - Financing income increased to RMB 1.54 billion, compared to RMB 1.07 billion in the same quarter last year[16] - The gross profit margin for Q1 2024 improved to 32.8%, up from 28.0% in Q1 2023[63] Operating Expenses and Cash Flow - Operating expenses totaled RMB 2.79 billion, an increase from RMB 2.59 billion in Q1 2023[17] - Operating cash flow for the quarter was approximately RMB 1.96 billion, with total cash and cash equivalents amounting to RMB 8.32 billion at the end of the quarter[16] - Operating cash flow for Q1 2024 was RMB 1,958,267, up from RMB 1,761,091 in Q1 2023, indicating an 11.2% increase[55] - The company’s cash and cash equivalents at the end of Q1 2024 were RMB 8,156,593, down from RMB 8,745,344 at the end of Q1 2023[55] Strategic Plans and Market Position - The company plans to continue a cautious risk control strategy and optimize its business portfolio in response to macroeconomic uncertainties[13] - The company plans to expand its market presence and invest in new technology development to drive future growth[1] - The company has initiated a share repurchase plan starting April 1, 2024, with a faster pace than scheduled[13] - The company plans to repurchase up to USD 350 million of its American Depositary Shares or Class A ordinary shares under the new buyback plan approved on March 12, 2024[30] Assets and Liabilities - The company reported a total asset value of RMB 47,426,518 thousand as of March 31, 2024, an increase from RMB 45,818,572 thousand as of December 31, 2023, representing a growth of approximately 3.5%[45] - The company’s total liabilities amounted to RMB 25,285,306 thousand as of March 31, 2024, compared to RMB 23,808,715 thousand as of December 31, 2023, indicating an increase of approximately 6.2%[47] - The company reported a total equity of RMB 22,141,212 thousand as of March 31, 2024, a slight increase from RMB 22,009,857 thousand as of December 31, 2023, showing a growth of about 0.6%[47] Financial Metrics and Comparability - The company's net profit margin stands at 27.9%, while the non-GAAP net profit margin is 29.0%[23] - The company highlighted the importance of non-GAAP operating income and net profit metrics to identify potential business trends and avoid distortions from GAAP accounting[39] - Non-GAAP net income excludes stock-based compensation expenses, providing a clearer view of the company's operational performance[32] - The company noted that its financial data calculated under non-GAAP measures may differ from those used by other companies, limiting comparability[39]

Corporate Structure and Compliance - The company is classified as a large accelerated filer under the Securities Exchange Act[4]. - The financial statements are prepared in accordance with U.S. Generally Accepted Accounting Principles (GAAP)[5]. - The company has not reported any securities under Section 12(g) of the Exchange Act[2]. - There are no outstanding securities that require reporting under Section 15(d) of the Exchange Act[2]. - The company has submitted all required reports under the Exchange Act in the past 12 months[4]. - The company has not indicated any errors in previously issued financial statements that would require restatement[5]. - The company has not been classified as a shell company under the Exchange Act[6]. - The company has established a series of contractual agreements to effectively control variable interest entities (VIEs) in China, including shareholder voting rights, equity pledge agreements, and loan agreements[17]. - The company relies on contractual arrangements with VIEs and their shareholders for all business operations, which may not be as effective as direct ownership[18]. - The company may incur substantial costs in enforcing the terms of the contractual arrangements with VIEs, which are governed by Chinese law[17]. - The company is subject to significant oversight and discretion from the Chinese government, which could adversely affect its operations and the value of its American depositary shares[69]. - The company has been recognized as a committee-designated issuer under the HFCAA, which may lead to trading prohibitions if it continues to use an accounting firm located in jurisdictions that PCAOB cannot inspect[21]. - The PCAOB has not been able to fully inspect or investigate registered accounting firms based in mainland China and Hong Kong, which poses a risk to the company's compliance with the HFCAA[21]. - The company has not received any notifications regarding its status as a "critical information infrastructure operator" under Chinese law, creating uncertainty about additional obligations[110]. Financial Performance - The total net income for 2023 was RMB 16,290,027 thousand, a slight decrease from RMB 16,553,930 thousand in 2022[37]. - Operating costs and expenses totaled RMB 11,433,063 thousand in 2023, compared to RMB 12,081,746 thousand in 2022, indicating a reduction in operational expenditures[37]. - The company reported a net operating income of RMB 4,856,964 thousand in 2023, compared to RMB 4,472,184 thousand in 2022, reflecting growth in operational performance[37]. - Net profit for 2023 reached RMB 4,268,577, a 6.6% increase from RMB 4,005,568 in 2022[38]. - Basic earnings per share for 2023 was RMB 13.36, up from RMB 12.87 in 2022, reflecting a 3.8% growth[38]. - The company’s total equity reached RMB 22,009,857 in 2023, up from RMB 18,931,297 in 2022, marking a 10.8% increase[41]. - The company reported a total liability of RMB 27,597,272 thousand, leading to total equity of RMB 19,791,799 thousand[53]. - The company’s net profit attributable to ordinary shareholders was RMB 1,077,675 thousand, reflecting a significant increase compared to previous periods[50]. - The company’s total assets reached RMB 45,818,572, an increase of 13.5% from RMB 40,343,170 in 2022[41]. - The company’s cash flow from investing activities for 2023 was a net outflow of RMB 11,147,789, compared to a net outflow of RMB 7,355,975 in 2022[43]. Market Operations and Strategy - The company operates primarily in the People's Republic of China, with significant implications for its business operations[8]. - The company aims to strengthen relationships with borrowers, financial institution partners, and data partners[11]. - The company has a significant focus on expanding its market presence and exploring potential mergers and acquisitions[11]. - The company expects growth in the Chinese credit technology industry and anticipates increased demand for its credit technology products[11]. - The company is focused on enhancing its technology and credit assessment capabilities to manage credit risk effectively and improve service offerings[74]. - The company plans to declare and distribute regular cash dividends starting from the first half of 2023, amounting to approximately 20% to 30% of the after-tax net profit for the preceding six-month period[34]. - The company has plans for market expansion and new product development, aiming to enhance its competitive position in the industry[50]. Regulatory Environment and Risks - The company faces various risks related to conducting business in China, including compliance with complex and evolving regulations, which could adversely affect its operations and the value of its American Depositary Shares (ADS)[20]. - There is significant uncertainty regarding the interpretation and enforcement of VIE contractual arrangements under current and future Chinese laws, which may impact the company's operational control[19]. - If the company or any VIE is found to violate existing or future Chinese laws or regulations, it may face severe penalties or be forced to relinquish its interests in those businesses[19]. - The Chinese government has significant power to regulate the company's operations and foreign investment, which could severely limit its ability to issue or continue issuing securities[22]. - The uncertainty surrounding the Chinese legal system and its rapid regulatory changes may lead to significant adverse impacts on the company's operations and the value of its ADS[22]. - The company faces significant risks related to regulatory uncertainties in the credit technology industry, which could adversely affect its financial condition and operational performance[65]. - The company is subject to ongoing regulatory scrutiny regarding its microfinance and financing guarantee practices, which could adversely affect its financial condition and operational performance[86]. - The company may face significant negative impacts if regulatory authorities deem its rectification efforts insufficient or unsatisfactory[81]. - The company is subject to the new financing guarantee regulations, which restrict unapproved entities from providing guarantee services, affecting its operational strategies[78]. Credit and Loan Management - The variable interest entities' revenue accounted for 94% of the total net revenue in 2023, up from 92% in both 2021 and 2022[16]. - The company reported a 180-day+ historical overdue rate, which is a percentage of loans overdue for more than 180 days, calculated based on the total principal amount of loans facilitated during a fiscal quarter[10]. - The company reported a recovery rate of overdue principal amounts within 30 days, calculated as a percentage of the total overdue principal[10]. - The company aims to maintain a low overdue rate for loans facilitated through its platform while expanding its borrower base and improving product utilization[72]. - The company relies on proprietary credit analysis models to assess borrower creditworthiness, and any flaws in these models could severely impact its reputation and market share[66]. - The company has implemented comprehensive collection policies and procedures to ensure compliance with current laws and regulations[154]. - The company relies on various collection methods for overdue loans, and any failure in these methods could lead to a decline in recovery rates[150]. Technology and Data Security - The company utilizes a light capital model, which involves technology-enabled services throughout the loan lifecycle without assuming credit risk[10]. - The deployment of AI-enabled tools, such as the Argus engine, is essential for accurate credit scoring and risk modeling, with potential inaccuracies impacting partnerships with financial institutions[146]. - The company faces inherent risks in protecting user privacy and complying with evolving regulatory frameworks regarding personal data collection and security[106]. - The company has taken measures to protect personal information but still faces challenges related to data security and compliance with applicable laws[106]. - The company is closely monitoring regulatory requirements and seeking guidance from regulatory authorities to ensure compliance with applicable laws and regulations[90]. Financial Partnerships and Funding - The company has established trust arrangements with financial institution partners for loan facilitation, which may impact its financial condition if expected returns are not met[175]. - The company relies on partnerships with several trust companies and asset management firms to secure funding through trust and asset management plans[131]. - The company’s largest financial institution partner, Jincheng Bank, is crucial for exploring innovative collaborations, with potential risks if its business or reputation deteriorates[130]. - The company cannot guarantee sustainable funding from financial institution partners, which may impact reputation, operational performance, and financial condition[125]. - The company may lose funding sources if it fails to effectively match regional banks with local borrowers, which could significantly impact operational performance and profitability[127]. Human Resources and Management - The company’s ability to attract and retain talented employees is crucial for supporting business growth and operational efficiency[73]. - The company may face significant challenges in retaining key management personnel, which could disrupt operations and negatively impact financial performance[177]. - The company’s operations depend heavily on the continued service of its management team, particularly in risk management and product development[177]. Legal and Compliance Issues - The company faces potential negative impacts on its reputation and business performance due to improper actions by third-party collection service providers[154]. - The company may incur substantial costs and resource expenditures to comply with the Sarbanes-Oxley Act, which could affect its financial performance[180]. - The company is unable to ensure that it can renew contracts with service providers on favorable terms, which may affect its operational capabilities[158]. - The company has not tested its disaster recovery plan under actual disaster conditions, which may hinder its ability to recover data and services during interruptions[166]. Economic and Market Conditions - The overall scale may be affected by various factors, including brand awareness, market interest rates, and macroeconomic conditions, which could negatively impact loan matching growth and revenue[120]. - The company’s revenue from loan products may decline due to reduced discretionary spending among consumers and small businesses amid economic downturns[191]. - The competitive landscape in China's credit technology industry is intensifying, with competitors potentially having more financial, technical, and marketing resources, which could adversely affect the company's business performance and financial condition[147]. - The average wage in China is expected to continue rising, impacting labor costs and potentially affecting the company's financial performance unless costs can be controlled or passed on to users[184]. Environmental, Social, and Governance (ESG) Considerations - The company is increasingly sensitive to ESG issues due to heightened attention from the Chinese government and investors, which may impact financing and compliance costs[190]. - The company may face additional costs and risks related to environmental, social, and governance matters, which could adversely affect its business and financial performance[189]. - The company’s ability to adapt to changing ESG expectations is critical to avoid reputational damage and potential financial losses[190].

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITI ...

Group 1 - The core viewpoint emphasizes the empowering role of artificial intelligence (AI) in facilitating the digital transformation of small and micro enterprises, addressing their marketing challenges and resource limitations [1][2]. - AI technologies, including computer graphics, voice recognition, and semantic understanding, are integrated to help businesses reduce costs and improve efficiency, particularly in the financial sector [2][3]. - The application of AI in marketing allows for enhanced content generation that aligns better with user interests, leading to more effective marketing strategies [2][3]. Group 2 - The company, Qifu Technology, utilizes the 7P marketing theory to provide customized AI marketing solutions for small and micro enterprises, addressing various challenges in product, price, channel, promotion, personnel, process, and physical evidence [3]. - Qifu Technology has invested significantly in the development of large models, achieving notable results in marketing, telemarketing, and programming through the integration of AIGC and automation [3]. - The "Micro Star" support plan launched by Qifu Technology aims to assist small enterprises in the construction industry with their digital transformation, creating a financial service ecosystem that enhances operational capabilities [3].

Investment Rating - The report maintains an "Accumulate" rating for the company with a target price of HKD 115.43, corresponding to a 6.8x P/E for 2024 [4][5]. Core Views - The company's revenue decreased by 1.59% year-on-year to RMB 16.29 billion in 2023, while adjusted net profit increased by 5.92% to RMB 4.45 billion, aligning with expectations. Future revenue projections for 2024-2026 are RMB 16.59 billion, RMB 17.73 billion, and RMB 18.97 billion, reflecting growth rates of 1.8%, 6.8%, and 7.0% respectively. Adjusted net profit is expected to be RMB 4.74 billion, RMB 5.02 billion, and RMB 5.74 billion, with growth rates of 6.4%, 6.0%, and 14.3% respectively [4][8]. Summary by Sections Financial Performance - In 2023, the company achieved a net profit growth of 5.92%, driven primarily by better cost control. Revenue and cost contributed -106% and 261% respectively to profit growth. Sales expenses decreased by 12% year-on-year, indicating effective operational management. Additionally, provisions for liabilities dropped by 30% due to a reduction in capital loan scale. The financing cost also declined, with the company issuing ABS totaling RMB 12.5 billion, a 56% increase year-on-year, benefiting from lower financing costs [4][8]. Operational Strategy - The company plans to focus on refined operations and tighten risk control strategies to achieve quality growth. In Q4 2023, the credit issuance scale was RMB 1.119 trillion, up 13.8% year-on-year but down 3.3% quarter-on-quarter, with approximately 57% of loans provided through a light capital model. The company aims to enhance operational efficiency, which is expected to contribute to profit growth. A new share repurchase plan of USD 350 million has been announced, reflecting the company's confidence [4][8]. Catalysts - Improvement in asset quality and an increase in loan issuance volume are identified as potential catalysts for future growth [4].

Qifu Technology, Inc. (NASDAQ:QFIN) Q4 2023 Earnings Conference Call March 12, 2024 8:30 PM ET Company Participants Karen Ji - Senior Director of Capital Markets Wu Haisheng - CEO Alex Xu - CFO Yan Zheng - Chief Risk Officer Conference Call Participants Richard Xu - Morgan Stanley Alex Ye - UBS Emma Xu - Bank of America Securities Yada Li - CICC Operator Ladies and gentlemen, thank you for standing by, and welcome to the Qifu Technology Fourth Quarter and Full Year 2023 Earnings Conference Call. [Operator I ...