Core Insights - Yiren Digital has been recognized among the top 10% of global industry peers in the "Diversified Financial Services and Capital Markets" category in S&P Global's latest ESG assessment, highlighting its commitment to ESG excellence and sustainability integration [1][5] Group 1: AI and ESG Integration - The company's strategic use of artificial intelligence (AI) has been pivotal in advancing its ESG objectives, enhancing risk management, customer service, and financial inclusion while reducing its environmental footprint [2][6] - Yiren Digital facilitated RMB53.6 billion in loans to 4.2 million underserved borrowers in 2024, demonstrating its commitment to inclusive finance [3] Group 2: Environmental Initiatives - Yiren Digital is on track to meet its 2030 carbon peak and 2060 net-zero targets, achieving a 5% year-over-year reduction in total greenhouse gas emissions [4] - Over 90% of electrical equipment in its Beijing offices meets energy-saving standards, and the power usage effectiveness (PUE) of its data centers has improved to 1.25 [4] Group 3: Financial Support for Green Industries - In 2024, the company provided loan facilities totaling RMB0.69 million to 22 new energy business owners, RMB88.48 million to 3,156 energy-efficient business owners, RMB9.96 million to 368 recycling business owners, and RMB16.46 million to 593 environmental monitoring business owners [4] - The company rejected 560 loan applications from business owners with environmental violations, reinforcing its commitment to sustainability [4] Group 4: Recognition and Achievements - The S&P rating is part of a series of accolades for Yiren Digital's ESG commitments, including the People's Daily Social Responsibility Award and inclusion in the "2024 Top 100 Global Zhejiang Business ESG Classic Cases" [5] - The proprietary risk management technology "Hawkeye" blocked 16,800 fraudulent loan applications in 2024, preventing an estimated RMB180 million in losses [5]

Technology Adoption - The All England Lawn Tennis Club is replacing human line judges with Hawkeye, a camera-based system [1] - The Hawkeye system utilizes at least 10 cameras per court [1] - The system's accuracy is within a few millimeters [1] Cost Analysis - Each Hawkeye system costs approximately $100,000 per court [1] Historical Context - This marks the first time in the tournament's 148-year history that human line judges are being phased out [1]