Yiren Digital Ltd. (NYSE:YRD) Q4 2020 Earnings Conference Call April 1, 2021 8:00 AM ET Company Participants Lydia Yu – Investor Relations Ning Tang – Executive Chairman and Chief Executive Officer Mei Zhou – Chief Executive Officer of Yiren Credit Na Mei – Chief Financial Officer George Liu – Chief Risk Officer Dennis Cong – Director of Yiren Digital Yu Cong – Senior Vice President of Strategic Corporate Business Development and Director Conference Call Participants Matt Larson – National Securities Operat ...

Yiren Digital Ltd (NYSE:YRD) Q2 2020 Earnings Conference Call August 27, 2020 8:00 PM ET Company Participants Lydia Yu – Investor Relations Ning Tang – Chief Executive Officer Zhong Bi – Chief Financial Officer Michael Ji – Chief Risk Officer Conference Call Participants Alex Ye – UBS Daphne Poon – Citi Operator Ladies and gentlemen, thank you for standing by and welcome to Yiren Digital Second Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker ...

Business Overview - Yiren Digital is a leading digital financial services platform in China, focusing on consumer credit and wealth management[9, 10] - The company operates a "light" capital model, generating revenue through loan and AUM-based recurring service fees[11] Q1 2020 Key Metrics - Assets Under Administration (AUA) reached approximately RMB 32 billion[12] - The platform served approximately 221,000 current investors, including around 26,000 non-P2P investors[12] - AUA for non-P2P investments was about RMB 1.7 billion, showing a 67% quarter-over-quarter increase[12] - The platform had served approximately 2.2 million accumulative investors as of Q1 2020[12] - Loan balance in Q1 2020 was approximately RMB 42 billion[12] - The platform acquired approximately 115,000 new borrowers in Q1 2020[12] - The platform had served approximately 4.8 million accumulative borrowers as of Q1 2020[12] Financial Performance (Q1 2020) - Net revenue was RMB 1,023.66 million[64] - Net income was RMB 19.219 million[64] - Adjusted EBITDA was RMB 29.751 million, with an adjusted EBITDA margin of 2.9%[70] Loan Portfolio - The remaining principal of performing loans was RMB 42.063 billion[70]

Yiren Digital Ltd. (NYSE:YRD) Q1 2020 Earnings Conference Call June 23, 2020 8:00 PM ET Company Participants Lydia Yu - Investor Relations Ning Tang - Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital Zhong Bi - CFO of Yiren Digital Michael Ji - CRO of Yiren Digital Dennis Cong - Senior VP of the Capital Markets Conference Call Participants Operator Ladies and gentlemen, thank you for standing by, and welcome to the Yiren Digital First Quarter 2020 Earnings Conference Call. At this time, all ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x 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 o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to OR o SHELL COMPANY REPORT PURSUANT TO S ...

Yiren Digital Ltd. (NYSE:YRD) Q4 2019 Results Conference Call March 25, 2020 8:00 PM ET Company Participants Lydia Yu - Investor Relations Ning Tang - Founder, Chairman and CEO of CreditEase and CEO of Yiren Digital Zhong Bi - CFO of Yiren Digital Michael Ji - CRO of Yiren Digital Dennis Cong - Senior VP of the Capital Markets Conference Call Participants John Cai - Morgan Stanley Alex Ye - UBS Investment Bank Daphne Poon - Citigroup Inc Operator Ladies and gentlemen, thank you for standing by, and welcome ...

Company Overview - Yirendai is a leading FinTech company in China, operating the first lending mobile app at scale[8] - The company focuses on prime consumers and offers online wealth management for investors[7] - As of December 2018, Yirendai facilitated cumulative loan of RMB 1126 billion, served 15 million borrowers and 16 million investors[11] Market Opportunity - China's individual wealth management market is expected to increase from USD 19 trillion in 2015 to USD 34 trillion in 2020[22] - The unsecured consumer finance market in China is expected to reach USD 1885 billion in 2019[26] Financial Performance - In 2018, Yirendai facilitated RMB 41406 million in online loans and RMB 15884 million in referral loans[48,74] - The company's net revenue for 2018 was RMB 5621 million[74] - The adjusted EBITDA margin for 2018 was 438%[53,87] Risk Management - The cumulative M3+ Net Charge Off Rate for loans facilitated since 2015 was 140% as of December 31, 2018[65] - Yirendai utilizes an extensive data set and proprietary decisioning platform for credit risk assessment[34]