Group 1 - The core investment thesis for Yiren Digital Ltd. (NYSE: YRD) is a Buy rating, supported by the resumption of dividend payments and a new semi-annual distribution policy [1] - YRD is expected to complete its share buyback program by the end of 2024, indicating strong financial health and commitment to returning value to shareholders [1] - The investment service Asia Value & Moat Stocks focuses on identifying undervalued stocks in Asia, particularly in the Hong Kong market, emphasizing deep value balance sheet bargains and wide moat stocks [1]

Company Overview - Yiren Digital is an AI-powered platform based in Beijing, providing a comprehensive suite of financial and lifestyle services in China [3] - The company's mission is to enhance customers' financial well-being and quality of life through digital financial services, tailor-made insurance solutions, and premium lifestyle services [3] Upcoming Event - Yuning Feng, CFO of Yiren Digital, will present at the dbVIC - Deutsche Bank American Depositary Receipt (ADR) Virtual Investor Conference on September 25, 2024, at 8:00 AM ET [1] - The event will be interactive, allowing investors to ask questions in real-time during the presentation and at the organization's virtual trade booth [1] - An archived webcast will be available for those unable to attend the live event [1] Participation Details - Investors are encouraged to pre-register and conduct an online system check to facilitate participation and receive updates [2] - Participation in the conference is free of charge [2] Virtual Investor Conferences - Virtual Investor Conferences (VIC) is a leading proprietary investor conference series that provides an interactive forum for publicly traded companies to present directly to investors [3][4] - VIC offers enhanced capabilities for companies to connect with investors, schedule one-on-one meetings, and enhance presentations with dynamic video content [4]

Financial Data and Key Metrics Changes - Total revenue for Q2 2024 reached RMB1.5 billion, a 30% increase year-over-year [18] - Net income decreased by 22% year-over-year to RMB410 million, primarily due to declining profitability in the insurance business and increased marketing expenses [24] - Funding costs decreased by 82 basis points quarter-over-quarter, reaching a historic low [11] Business Line Data and Key Metrics Changes - Financial services business saw total loan volume reach RMB12.9 billion, marking a 59% increase year-over-year [6] - Insurance brokerage gross written premiums totaled RMB1.1 billion, reflecting a year-over-year decrease of 20% but a quarter-over-quarter increase of 16% [12] - Consumption and lifestyle service segment GMV increased by 40% year-over-year to RMB554.6 million [14] Market Data and Key Metrics Changes - International business loan volume nearly doubled in Q2 2024 compared to the prior quarter, with the Philippines achieving a monthly loan volume exceeding RMB20 million [8] - Customer acquisition costs in the Philippines decreased by 18% quarter-over-quarter [8] Company Strategy and Development Direction - The company is focusing on becoming a leading AI-driven platform, integrating technological innovation into operations [5] - In the insurance sector, the strategy includes strengthening channel partnerships and expanding property insurance offerings [13] - The company plans to enhance online customer acquisition using AI-generated content tools [13] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the resilience of the business structure and operational strategies despite market challenges [5] - The company expects continued growth in the financial services segment and a healthy net profit margin for Q3 2024, projecting revenue between RMB1.4 billion to RMB1.5 billion [26] Other Important Information - A new dividend policy was approved, with plans to declare dividends amounting to no less than 10% of anticipated net income after tax for each half-year [15] - A management change was announced with the appointment of a new CFO, Yuning Feng, who has extensive experience in venture capital and investment banking [16] Q&A Session All Questions and Answers Question: Insights on AI development and commercialization risks - Management highlighted extensive use of AI in operations and ongoing investments in AI technology, with expectations for results in the near future [36][37] Question: Increase in cash used in investing and financing activities - The increase is attributed to ongoing investments in financial licenses and potential acquisitions in the financial services segment [31][33] Question: Growth in international business - The international business covers markets like the Philippines and Mexico, with plans for expansion in Southeast Asia [36] Question: Total loan volume facilitated overseas in Q2 2024 - The total loan volume facilitated overseas was RMB63 million, with expectations to exceed RMB100 million in the next quarter [41] Question: Current customer acquisition cost in the Philippines - The customer acquisition cost in the Philippines is around $5 to $10 per person, with expectations for an increase in the second half of the year [43] Question: Guarantee business and credit risk sharing - Management suggested a follow-up call to discuss the guarantee contracts and accounting details further [48]

Exhibit 99.1 Yiren Digital Reports First Quarter 2024 Financial Results BEIJING – June 21, 2024 – 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 March 31, 2024. First Quarter 2024 Operational Highlights Financial Services Business l Total loans facilitated in the first quarter of 2024 reached RMB11.9 billion (US$1.6 bil ...

Yiren Digital Investor Presentation August,2024 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 purchase or 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" statements within the meaning of Section 21E of the Securities E ...

BEIJING, Aug. 20, 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 June 30, 2024. Second Quarter 2024 Operational HighlightsFinancial Services Business Total loans facilitated in the second quarter of 2024 reached RMB12.9 billion (US$1.8 billion), representing an increase of 8.6% from RMB11.9 billion ...

BEIJING, Aug. 14, 2024 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"), 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 second quarter ended June 30, 2024 before U.S. market opens on Tuesday, on August 20, 2024.Yiren Digital's management will host an earnings conference call at 8:00 a.m. U.S. Eastern Time on August 20, 2024 (or 8:00 p.m. Beijing/Hong Kong Time on A ...

Core Insights - Yiren Digital Ltd. has released its first ESG report, emphasizing its commitment to environmental sustainability and social responsibility through its mission of "Better Lives Through Digital Innovation" [1] Technological Innovation Enhances Customer Experiences - The company has implemented a business strategy of "AI + Diversified Scenarios" and launched the "AI Lab" program, resulting in over 2.1 million intelligent customer services in 2023, leading to high customer satisfaction rates: 94% for financial services, 96% for insurance brokerage, and 95% for consumption and lifestyle services [2] User Information Security and Privacy Protection - Yiren Digital has enhanced its security capabilities, obtaining ISO 27001 certification and National Level 3 Classified Protection Certification in 2023. The company developed the Hawkeye antifraud model, identifying over 20,000 potentially dubious clients through a combination of AI and manual assistance [3] Empowering Customers through Inclusive Financial Solutions and Societal Contributions - The company facilitated RMB 3.6 billion in loans in 2023 through its Yixianghua platform, providing financial solutions to over 460,000 micro and small business owners, ensuring equal access to financial services [4] - Yiren Digital provided accident insurance protection to 100,000 flexible workers in Wuhan through its "New Resident Care" project, extending services to traditionally underserved workers [5] Leading Green and Low-Carbon Development - The company promotes green finance, restricting loans to high-energy consumption and high-pollution industries. In 2023, it facilitated RMB 12.55 million in credit to 483 business owners in the environmental protection monitoring industry while rejecting applications from 327 businesses with environmental violations [6] - By the end of 2023, over 90% of electrical equipment in Yiren Digital's Beijing offices had energy-saving labels, and the company aims for an average Power Usage Effectiveness (PUE) of 1.3 by 2024 [7]

BEIJING, June 28, 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 the release of its annual ESG report for the year ended December 31, 2023. The report highlights Yiren Digital's mission of "Better Lives Through Digital Innovation," demonstrating the Company's unwavering dedication to environmental sustainability and social responsibility.To view Yiren ...

Yiren Digital Investor Presentation June,2024 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. ...