Yiren Digital(YRD) - 2023 Q2 - Earnings Call Presentation

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]