Financial Data and Key Metrics Changes - The total loan origination volume reached 6.7 billion RMB, representing a year-over-year increase of 100.2% and a sequential increase of 17.7% [10] - Net income was 124.8 million RMB, a 41.2% increase compared to 88.4 million RMB in the same period last year [10] - Net revenue was 577.1 million RMB, up 43.8% year-over-year, driven by significant growth in loan origination volumes [11] - Total operating costs and expenses increased by 68.4% year-over-year, reaching 423.2 million RMB, with operating costs as a percentage of revenue at 73.3% compared to 62.6% in the same period last year [12] Business Line Data and Key Metrics Changes - The company resumed its marketing program, focusing on acquiring higher credit quality customers, resulting in a repeat borrowing rate of 69.1% for the quarter [6][7] - Other revenue decreased to 40.3 million RMB, down 47.7%, primarily due to reduced revenue from P2P related services [11] Market Data and Key Metrics Changes - The company has expanded its funding partners to 36, with an additional 42 institutions in discussion, indicating a strong growth trajectory in the consumer market [5][6] - The company is focusing on small business owners, which are seen as a backbone of economic development, and is gradually rolling out loan programs for this segment [6] Company Strategy and Development Direction - The company aims to diversify its funding resources and broaden collaborations with institutional partners to capture opportunities in the growing consumer market [5] - There is a strong emphasis on corporate social responsibility (CSR), with initiatives aimed at improving educational environments for children in need [8] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in maintaining top-line growth and capturing opportunities in the consumer market despite a cautious approach to new offerings [5][6] - The company has adjusted its full-year 2021 loan origination volume guidance to between 20 billion RMB to 23 billion RMB, representing a year-over-year growth of 72% to 98% [16] Other Important Information - The company ended the quarter with 178.5 million RMB in cash and cash equivalents, compared to 141.4 million RMB as of June 30, 2021, providing greater flexibility for long-term growth initiatives [15] Q&A Session Summary Question: Can you discuss the success seen in the new online advertising? - Management noted a 36% increase in sales and marketing expenses, with half attributed to marketing fees and the other half driven by new marketing initiatives, leading to improved cost efficiency for acquiring new borrowers [18][19] Question: Can you provide details on the new products for small businesses? - The focus is on micro to small businesses, with loan sizes expected to be 20% to 30% higher than current offerings, utilizing online acquisition channels for customer evaluation [21][22] Question: What updates are there on international expansion? - The company is making solid progress in international markets, particularly in Mexico and Nigeria, while still working on solidifying its position in Indonesia [26] Question: What is the outlook for credit costs and customer credit quality? - The drop in credit costs is attributed to improved credit quality, with most uncollectible allowances related to previous business models now being phased out [30][31] Question: How is the integration of Bweenet progressing? - Due to regulatory challenges in China, operations in this segment have been halted, but the company is exploring opportunities overseas and monitoring regulatory changes [33]

Jiayin Group Inc. (NASDAQ:JFIN) Q2 2021 Earnings Conference Call August 25, 2021 8:00 AM ET Company Participants Susie Wang - Investor Relations Yan Dinggui - Chief Executive Officer Xu Yifang - Chief Risk Officer Shelley Bai - Co-Chief Financial Officer Delia Chen - Co-Chief Financial Officer Conference Call Participants Craig Irwin - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by and welcome to the Jiayin Group Second Quarter of 2021 Earnings Conference Call. [Ope ...

Jiayin Group Inc. (NASDAQ:JFIN) Q1 2021 Results Earnings Conference Call June 7, 2021 8:00 AM ET Company Participants Julia Qian - MD, The Blueshirt Group Asia, IR Dinggui Yan - Founder & CEO Shelley Bai - Co-CFO Julia Chen - Co-CFO Xu Yifang - Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Operator Good day, ladies and gentlemen. Thank you for standing by, and welcome to the Jiayin Group's First Quarter of 2021 Earnings Conference Call. Currently, all participants are in a list ...

Jiayin Group Inc. (NASDAQ:JFIN) Q4 2020 Earnings Conference Call April 9, 2021 8:00 AM ET Company Participants Julia Qian - MD, The Blueshirt Group Asia, IR Dinggui Yan - Founder, Director and CEO Jin Chen - Co-CFO Xu Yifang - Director and Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by, and welcome to Jiayin Group Fourth Quarter and Full-Year of 2020 Earnings Conference Call. Currently, all participants ...

Jiayin Group Inc. (NASDAQ:JFIN) Q3 2020 Earnings Conference Call November 30, 2020 8:00 AM ET Company Participants Julia Qian - Investor Relations, The Blueshirt Group Asia Dinggui Yan - Founder, Director and Chief executive officer Shelley Bai - Director, Investor Relations Chunlin Fan - Chief Financial Officer Xu Yifang - Director and Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by and welcome to the Ji ...

Jiayin Group Inc. (NASDAQ:JFIN) Q2 2020 Earnings Conference Call September 2, 2020 8:00 AM ET Company Participants Yuanheng Susie Wang - Director, The Blueshirt Group Asia Dinggui Yan - Founder, Director and Chief executive officer Shelley Bai - Director, Investor Relations Chunlin Fan - Chief Financial Officer Xu Yifang - Director and Chief Risk Officer Conference Call Participants Andrew Scutt - ROTH Capital Partners Operator Good day, ladies and gentlemen. Thank you for standing by, and welcome to the Ji ...

Financial Data and Key Metrics Changes - In Q1 2020, net revenue was RMB313.5 million, down 57.1% year-over-year due to decreased loan origination volume [13][14] - Quarterly net income was RMB39.5 million, up 74.9% sequentially, demonstrating strong profitability despite the pandemic [8][15] - Cash and cash equivalents at the end of Q1 were RMB66.8 million, down from RMB122.1 million at the end of 2019, primarily due to business transition and overseas investments [15][16] Business Line Data and Key Metrics Changes - Loan origination volume was RMB2.9 billion, flat compared to Q4 2019, despite the impact of the COVID-19 lockdown [12][14] - The proportion of loans funded by institutional investors increased to 44.5% in March 2020, with nearly all new loans in Q2 expected to be funded by institutions [7][12] - Total sales and marketing expenses fell to RMB93.4 million, down 45.5% year-over-year, reflecting a focus on higher quality repeat lenders and borrowers [14][15] Market Data and Key Metrics Changes - The regulatory environment for online lending is becoming clearer, with new rules published that support the growth of the industry [10][26] - The company is optimistic about recovering consumer demand in China as the market begins to recover from the pandemic [11][26] Company Strategy and Development Direction - The company is transitioning from a P2P business model to a loan facilitation model, focusing on institutional funding sources [22][24] - Continued efforts to attract more financial institutions are underway, with discussions ongoing with an additional 22 institutions [7][22] - The management emphasizes the importance of maintaining a high-quality loan book and effective risk management practices [9][31] Management Comments on Operating Environment and Future Outlook - Management expressed optimism about gradual recovery in the second quarter, with expectations for renewed growth in Q3 and Q4 [18][50] - The company believes that the regulatory changes will benefit leading players in the online lending sector, promoting a healthier business environment [26][27] - Management remains confident in the company's ability to comply with U.S. accounting standards and navigate potential regulatory challenges [34][35] Other Important Information - The adoption of the new accounting standard ASC 326 has had a minor impact on the company's profitability, with credit loss adjustments being limited compared to peers [17][31] - The company is actively monitoring the situation regarding U.S. regulatory proposals affecting Chinese companies listed in the U.S. [34][35] Q&A Session Summary Question: Funding from institutional investors - The company reported 14 institutions on the platform as of Q1 2020 and is actively seeking to diversify its funding sources [20][22] Question: Impact of new regulatory rules - The new regulations are viewed positively, promoting a healthier business environment and legitimizing online lending platforms [25][26] Question: Loan book quality and delinquency status - The company has maintained a prudent approach to credit risk management, resulting in a modest impact from COVID-19 on its loan book quality [27][29] Question: U.S. market listing and regulatory concerns - The management is closely monitoring the evolving regulatory landscape and is committed to compliance with U.S. accounting standards [32][34] Question: Cash position outlook - The cash position is expected to remain stable or slightly lower in Q2 due to investments in overseas markets, with a positive outlook for the second half of the year [52][56]

Table of Contents JFIN The Nasdaq Stock Market LLC 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, 2019. OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR ☐ S ...

Jiayin Group Inc. (NASDAQ:JFIN) Q4 2019 Earnings Conference Call April 1, 2020 8:00 AM ET Company Participants Julia Qian - Managing Director, The Blueshirt Group Dinggui Yan - CEO Chunlin Fan - CFO Shelley Bai - IR Director Yifang Xu - Chief Risk Officer Conference Call Participants Craig Irwin - ROTH Capital Partners Operator Good day, ladies and gentlemen. And thank you for standing by and welcome to the Jiayin Group’s Fourth Quarter 2019 Earnings Conference Call. At this time, all participants are in li ...