November 2023 3Q2023 Result Presentation ...

Exhibit 99.1 RECONCILIATION BETWEEN U.S. GAAP AND INTERNATIONAL FINANCING REPORTING STANDARDS The financial statements are prepared in accordance with U.S. GAAP, which differ in certain respects from International Financial Reporting Standards (“IFRS”). The effects of material differences between the financial statements of the Group prepared under U.S. GAAP and IFRS are as follows: As of December 31, 2022 Consolidated Balance Sheet Amounts in thousands of Renminbi (“RMB”) IFRS adjustments Effective interes ...

Qifu Technology Inc. (NASDAQ:QFIN) Q2 2023 Results Conference Call August 21, 2023 8:00 PM ET Company Participants Wu Haisheng - CEO & Director Alex Xu - CFO & Director Yan Zheng - Chief Risk Officer Conference Call Participants Alex Ye - UBS Frank Zheng - Credit Suisse Emma Xu - Bank of America Securities Yada Li - CICC Operator Ladies and gentlemen, thank you for standing by, and welcome to the Qifu Technology Second Quarter 2023 Earnings Conference Call. [Operator Instructions] At this time, I'd like to ...

Exhibit 99.1 Qifu Technology Announces Third Quarter 2023 Unaudited Financial Results Shanghai, China, November 16, 2023, 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 third quarter ended September 30, 2023. Third Quarter 2023 Business Highlights · As of September 30, 2023, our platform has connected 155 financial institutional partners and 227.9 million consumers with po ...

Financial Data and Key Metrics Changes - By the end of Q1 2023, the platform connected approximately 46 million users with approved credit lines, with total loan facilitation and origination volume reaching RMB 109.5 billion, up 10.7% year-over-year and 4.7% quarter-over-quarter [4] - Total net revenue for Q1 was CNY 3.6 billion, compared to CNY 3.9 billion in Q4 and CNY 4.3 billion a year ago [18][24] - Non-GAAP net profit was CNY 976 million in Q1, compared to CNY 919 million in Q4 [24] Business Line Data and Key Metrics Changes - Revenue from platform service capital light was CNY 969 million in Q1, down from CNY 1.1 billion in Q4 and CNY 1.4 billion a year ago [19] - The capitalized loan facilitation and technology solutions accounted for roughly 56% of total loan volume, remaining flat compared to the prior quarter [19] Market Data and Key Metrics Changes - Liquidity in the financial system improved, with total social financing and M2 money supply increasing by 10% and 12.7% year-over-year, respectively [7] - The day 1 delinquency rate decreased by 37 basis points from December 2022, while the M1 production rate increased by 189 basis points for the same period [6] Company Strategy and Development Direction - The company plans to enhance customer acquisition through partnerships and innovative marketing strategies, including live streaming and precision marketing [9][30] - The focus on existing users is crucial, with efforts to improve conversion effectiveness and user engagement [30] - The company aims to strengthen its ability to identify and manage specific segments, particularly SMEs, which account for over 40% of the user base [11] Management's Comments on Operating Environment and Future Outlook - Management noted a gradual recovery in the macroeconomic environment, with expectations for improved credit demand and business activities throughout 2023 [25] - The company maintains a full-year total loan volume target of between RMB 455 billion and RMB 495 billion, representing year-on-year growth of 10% to 20% [25] Other Important Information - The Board of Directors approved an increase in the dividend payout ratio to 20% to 30% from the previous 15% to 20% of net profit, transitioning to a semiannual dividend distribution schedule [24] - The establishment of a large language model department aims to leverage generative AI technologies for enhancing user experience and operational efficiency [13] Q&A Session Summary Question: Strategic focus for the rest of the year - Management emphasized the importance of both new customer acquisition and optimizing existing clients, with efforts to expand partnerships and improve marketing efficiency [28][30] Question: Measures for operational efficiency - Management highlighted variable costs in customer acquisition and plans to lower the unit cost per credit line user, with a target of around RMB 330 [32][33] Question: Loan pricing outlook - Management indicated that the recovery of credit demand is more significant than competitive pressures, with plans to maintain stable pricing while refining risk management models [36][37] Question: Loan demand trends - Management observed a moderate recovery in credit demand, with faster recovery in regions like Shanghai and among higher-quality users [40]

Exhibit 99.1 Qifu Technology Announces Second Quarter and Interim 2023 Unaudited Financial Results and Declares Semi-Annual Dividend Shanghai, China, August 21, 2023, 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 second quarter and six months ended June 30, 2023, and declared semi-annual dividend. Second Quarter 2023 Business Highlights • As of June 30, 2023, our platform ...

Exhibit 99.1 RECONCILIATION BETWEEN U.S. GAAP AND INTERNATIONAL FINANCING REPORTING STANDARD The financial statements are prepared in accordance with U.S. GAAP, which differ in certain respects from International Financial Reporting Standards ("IFRS"). The effects of material differences between the financial statements of the Group prepared under U.S. GAAP and IFRS are as follows: Consolidated Balance Sheet As of December 31, 2021 Amounts in thousands of Renminbi (“RMB”) Amounts as Amounts as reported repo ...

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, 2022. 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 ...

360 DigiTech, Inc. (NASDAQ:QFIN) Q4 2022 Earnings Conference Call March 10, 2023 7:30 AM ET Company Participants Karen Ji - Senior Director of Capital Market Wu Haisheng - Chief Executive Officer Alex Xu - Chief Financial Officer Zheng Yan - Chief Risk Officer Conference Call Participants Judy Zhang - Citi Research Yada Li - CICC Thomas Chong - Jefferies LLC Hans Fan - CLSA Alex Ye - UBS Operator Ladies and gentlemen, thank you for standing by, and welcome to the 360 DigiTech Fourth Quarter and Full-Year 20 ...