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]

Yiren Digital Ltd. (NYSE:YRD) Q3 2019 Earnings Conference Call November 14, 2019 7:00 PM ET Company Participants Lydia Yu - IR Ning Tang - CEO, Yirendai, Founder, Chairman and CEO, CreditEase Dennis Cong - SVP of Corporate Business Development Conference Call Participants John Cai - Morgan Stanley Eddie Zhou - Credit Suisse Alex Ye - UBS Operator Ladies and gentlemen, thank you for standing by and welcome to Yiren Digital Third Quarter 2019 Earnings Conference Call. [Operator Instructions] I will now hand o ...

Yirendai Ltd. (NYSE:YRD) Q2 2019 Earnings Conference Call September 3, 2019 8:00 PM ET Company Participants Lydia Yu - IR Ning Tang - CEO Dennis Cong - SVP of Corporate Business Development Huan Chen - CRO Wei Wang - CEO, Yiren Credit Xiao Shang - CEO, Yiren Wealth Joanne Liu - CFO Conference Call Participants Joe Chu - Morgan Stanley Alex Ye - UBS Operator Ladies and gentlemen, thank you for standing by, and welcome to the Yirendai Second Quarter 2019 Earnings Conference Call. At this time, all participant ...

Yirendai Ltd (NYSE:YRD) Q1 2019 Earnings Conference Call July 10, 2019 8:00 PM ET Corporate Participants Lydia Yu - Investor Relations Ning Tang - Chief Executive Officer Dennis Cong - Chief Financial Officer Huan Chen - Chief Risk Officer Wei Wang - Chief Executive Officer, Yiren Credit Xiao Shang - Chief Executive Officer, Yiren Wealth Conference Call Participants John Cai - Morgan Stanley May Yan - UBS Stephanie Kwan - Citi Operator Ladies and gentlemen, thank you for standing by and welcome to Yirendai ...

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, 2018. 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 ...