Yiren Digital Investor Presentation Disclaimer This presentation has been prepared by Yiren Digital solely for information purposes. This presentation does not constitute an offer to sell or issue or an invitation or recommendation to purchaseor subscribe for any securities of the Company for sale in the United States or anywhere else. This material contains forward-looking statements. These statements constitute “forward-looking” sta ...

BEIJING, March 21, 2024 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended December 31, 2023. Fourth Quarter 2023 and Fiscal Year 2023 Operational Highlights Financial Services Business Total loans facilitated in the fourth quarter of 2023 reached RMB11.6 billion (US$1.6 billion), representing an increase ...

BEIJING, March 11, 2024 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, announced that it plans to release its unaudited financial results for the fourth quarter and full year ended December 31, 2023 before U.S. market opens on Thursday, on March 21, 2024. Yiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on March 21, 2024 (or 8 ...

BEIJING, Dec. 22, 2023 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company") is pleased to announce its inclusion in the "Top 100 Annual Growth Public Companies of 2023" by Snowball Finance ("Xueqiu"), the renowned investor community in China. The recognition reflects the acknowledgement of Yiren Digital's outstanding performance in the field of financial technology and its high potential for future growth. Based on this year's third quarter earnings release, Yiren Digital achiev ...

Exhibit 99.1 Yiren Digital Reports Third Quarter 2023 Financial Results BEIJING – November 21, 2023 – Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-driven one-stop select financial and lifestyle services platform in China, today announced its unaudited financial results for the quarter ended September 30, 2023. Third Quarter 2023 Operational Highlights Financial Services Business ● Total loans facilitated in the third quarter of 2023 reached RMB9.8 billion (US$1.3 billion), repres ...

Yiren Digital Ltd. (NYSE:YRD) Q3 2023 Earnings Call Transcript November 21, 2023 8:00 AM ET Company Participants Lydia Yu - Investor Relations Ning Tang - CEO, Founder, Chairman and CEO, CreditEase Na Mei - CFO Conference Call Participants Operator Thank you for standing by and welcome to the Yiren Digital Third Quarter 2023 Earnings Conference Call. All participants are in a listen-only mode. There will be a presentation followed by a question-and-answer session. [Operator Instructions] I would now like to ...

Yiren Digital Investor Presentation 3Q 2023 ...

Financial Performance - Total net revenue for the three months ended June 30, 2023 was RMB 1,324206 thousand (approximately USD 182,616 thousand)[42] - Net income for the three months ended June 30, 2023 was RMB 527,348 thousand (approximately USD 72,725 thousand)[42] - Net cash generated from operating activities for the three months ended June 30, 2023 was RMB 718,058 thousand (approximately USD 99,026 thousand)[43] - Adjusted EBITDA for the three months ended June 30, 2023 was RMB 661,670 thousand (approximately USD 91,248 thousand) with an Adjusted EBITDA margin of 500%[47] Insurance Business - Gross written premiums for the three months ended June 30, 2023 reached RMB 1,332,458 thousand[47] - The number of insurance clients for the three months ended June 30, 2023 was 135,449, with a cumulative number of 1,133,069[47] - Insurance brokerage business revenue for the three months ended June 30, 2023 was RMB 404,695 thousand[47] Loan Facilitation - The amount of loans facilitated for the three months ended June 30, 2023 was RMB 8,156,201 thousand[47] - The number of borrowers for the three months ended June 30, 2023 was 1,013,972[47] - The total net charge-off rate as of June 30, 2023 for loans issued in 2022 was 39%[49]

Financial Data and Key Metrics Changes - Total revenue for Q2 2023 reached RMB 1.3 billion, representing a 55% increase year-over-year and a 34% increase from the prior quarter [11] - Total loan volume was RMB 8.2 billion, reflecting a 65% year-over-year increase [8] - Net profit for the quarter was RMB 427 million, an increase of 24% quarter-over-quarter [13] Business Line Data and Key Metrics Changes - Insurance brokerage gross premiums exceeded RMB 1.3 billion, up 67% year-over-year, with life insurance policies increasing by 162% [6][7] - Financial services saw a total loan volume of RMB 8.2 billion, with the number of borrowers increasing by 82% year-over-year to 1.01 million [8] - Consumption and lifestyle services generated a total GMV of RMB 396 million, a 28% increase from the prior quarter [10] Market Data and Key Metrics Changes - The company launched operations in the Philippines under the brand Easy Peso, experiencing rapid growth and planning to expand to one or two new countries soon [9] - Monthly active users on the Yi Xiang Hua APP increased by 11% from the prior quarter to 2.4 million [8] Company Strategy and Development Direction - The company is positioning itself as an AI and technology-driven financial and lifestyle services platform, focusing on three key pillars: financial services, insurance, and consumption and lifestyle services [5] - The establishment of an AI lab aims to develop new products and applications across business lines, including AI customer service agents and marketing tools [6] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about future growth despite challenging macroeconomic conditions, emphasizing a focus on business fundamentals and communication with the market [17][18] - The company plans to continue its share repurchase program, having deployed close to USD 1 million for share buybacks in the current quarter [14] Other Important Information - The company reported a 7% decrease in institutional funding costs as of June compared to the beginning of the year [9] - The acquisition of a licensed financial guarantee company in China is expected to enhance the credit business segment [14] Q&A Session Summary Question: Consideration of a dividend policy - Management currently has no dividend policy but is evaluating different strategies, emphasizing the importance of a strong cash position for future investments [21][22] Question: Legitimacy of financial numbers and auditing process - Management acknowledged the challenges faced during the auditing process, which involved three auditors and took over a year to complete [16][25] Question: Buyback restrictions and stock price concerns - Management confirmed that buybacks are subject to restrictions based on average trading volume and market value [29][31] Question: Keeping loans on the books for regulatory compliance - Management indicated that the company uses its cash balance to service clients and has cooperated with trust companies to enhance service quality [34][35] Question: Need for improved public relations and communication - Management recognized the need for better communication and marketing efforts to raise awareness about the company's growth and AI initiatives [39][44]

Exhibit 99.1 Yiren Digital Reports Second Quarter 2023 Financial Results 08/17/23 BEIJING, Aug. 17, 2023 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-driven onestop select financial and lifestyle services platform in China, today announced its unaudited financial results for the quarter ended June 30, 2023. Second Quarter 2023 Operational Highlights Insurance Brokerage Business ● Cumulative number of insurance clients served reached 1,133,069 as of June 30, 2023, ...