Yiren Digital

Investor Presentation

March,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
Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified
by terminology such as “will”,“expects”, “anticipates”, “future”, “intends,” “plans”,” “believes,” “estimates”, “target”, “confident” and similar statements.

Such statements are based upon management’s current expectations and current market and operating conditions, and relate to events that involve known or
unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yiren Digital’s control. Forward-looking statements
involve risks, uncertainties and other factors that could cause actual results to differ materially from those contained in any such statements.

Potential risks and uncertainties include, but are not limited to, uncertainties as to Yiren Digital’s ability to attract and retain borrowers and investors on its
marketplace, its ability to introduce new loan products and platform enhancements, its ability to compete effectively, PRC regulations and policies relating to the
credit-tech and wealth management business in China, general economic conditions in China, and Yiren Digital’s ability to meet the standards necessary to
maintain listing of its ADSs on the NYSE or other stock exchange, including its ability to cure any non-compliance with the NYSE’s continued listing criteria.

Further information regarding these and other risks, uncertainties or factors is included in Yiren Digital’s filings with the U.S. Securities and Exchange
Commission. All information provided in this material is as of the date of this material, and Yiren Digital does not undertake any obligation to update any forward-
looking statement as a result of new information, future events or otherwise, except as required under applicable law.
Our Vision

“Our vision is to elevate customers' life quality by delivering AI-powered

digital services, while also empowering the technological capabilities of
selected sectors.”

Better tech. Better life.

01 Company Overview
A Leading AI-Driven Financial & Lifestyle Services Platform
Diversified Business Lines Driving Innovation and Value

Financial Services Life & Property Insurance Consumption and lifestyle

Revolving loan services provide Customized insurance services to cater to Satisfying diverse quality-of-life needs
liquidity to individuals, families, and wide-ranging needs in education, through membership benefits and
businesses, aiding in financial health by healthcare, retirement planning, asset various products and services,
offering balanced repayment and protection, and business growth. including entertainment, travel, skincare
consumption plans. and more.

Intelligent Customer Service Intelligent Marketing/Operations Intelligent Risk Management Intelligent Product Selection
Financial Services: Technology Driven Loan Facilitation Model

Loan Repayment

Customer Referral，
Credit Application Collections &
Risk Mgmt Services
AI Risk/Anti-Fraud

Borrowers Institutional
Post-facilitation
Provides Funding Funding
Services
Partners

Intelligent KYC E-Signing Platform

Funding
Revolving Financing Services
Precise Targeting, Diverse Acquisition

Precise-targeting Customers Multi-acquisition Channels

• 100mn+ borrowers served • Social media marketing

• Mainly aged 25-40 • E-commerce & life service platforms
• Stable salary or self-employed • Offline consumption scenarios
Revolving loans
ranging from
4-200k

Average Principal Loan Tenor Flexible

Amt RMB 4k-6k 3, 6, 9 or 12 months repayment options
Strong Risk Control Capability

17 years of experience and data accumulation in the credit-tech business

Extensive
Strong capability to understand data across economic cycles and the lifecycle of loans.
Data Accumulation
Over 100 million of registered users, and millions of customers’ database

20+ Credit Enhancement Agencies , 50+ Products.

Over 5,000 dimensions of external data are incorporated.
Comprehensive
Credit Data Rich data pool covering credit records, income details, bank statements, consumption records,
shopping behaviors, anti-fraud info etc.

Identified approx. 10,000 features based on the second-generation credit reports

Implemented a social-network-based anti-fraud monitoring system.

Anti-fraud and
Owns a 600 million-entry blacklist, covering high-bit IDs, phone numbers, devices, and IP
Blacklist Database
addresses.
Data-powered Flywheel to Drive Growth
More customers
and repeat users

More data plugged into

Better products our AI-driven system to
and services make it more intelligent
and efficient

Deliver more
Attract more partners personalized user
with better offerings experience and diverse
and terms services
 Insurance: Providing Full Spectrum Products and Services
Competitive edges: 1）Nationwide business deployment
2）Experienced teams on property, life insurance and internet industry
3）Strong capacities in product innovation and market expansion

Customer Acquistion Multi-layer of customer needs Product Strategy

Entrepreneurs
Entrepreneur risk
500+ Insurance Agents from ➢ Inheritance prevention
Life
30+ Branches Nationwide High-net-worth Insurance

Customer Resources
within CE ecosystem ➢ Asset Allocation
Property
Mass Affluent Insurance

Cross-Sector Cooperation “Insurtech

and Online Marketing plus”
➢ Asset Protection
Inclusive customers
Unique 2B2C Channel

10
Note: As a licensed insurance broker, Hexiang does not take any underwriting risks.
Insurance Growth Strategy: 2B2C Model
Customized Scenario-based Insurance Rich Application Scenarios
products under 2B2C model
Hexiang Insurance Medicine & Healthcare Travel & Leisure

Serving both 2B and 2C clients

2B Corporate Clients with diversified products.

After being served by Hexiang,

working with Hexiang to design
tailor-made insurance products
for its own customers, realizing Corporate’s Customers
additional revenue stream.
Provided with Hexiang’s scenario-
based insurance products embedded Wealth & Finance Engineering & Construction
into related consumption platforms.
Partially transformed
into 2B corportate
clients by Hexiang.

Customization & Digitalization

Property Insurance + Life Insurance
Servicing Capabilities
Insurance Ecosystem
Tech-driven KYC

Note: As a licensed insurance broker, Hexiang does not take any underwriting risks.
Insurance: Diverse and Rich Resources and Networks
As of Dec.31 2023,

130+ Partener
Institutions
Nationwide

1000+ insurance
products on the shelf

Our Partnering Insurers

 Revenue Models and Monetization
External funding Loan facilitation & Post origination
partners service fees1

Financial Loan facilitation & Post origination

service fees1
Services
YRD licensed
Guarantee service fees
subsidary
Financing service fees

Insurance
Insurance Insurance commissions
Brokerage
Brokerage

Lifestyle & Sales of consumption services and

Consumption products, membership services etc.
Lifestyle
Services

Note1: Including customer acquisition, risk profiling, collection, etc.

02 Key Financial Highlights
What We Achieved in FY2023

+59% +80% +24% +185%

yoy yoy yoy yoy

Gross
# of Borrowers
Loans Facilitated Total Premiums merchandise
Served
volume

- Substantial double-digit expansion in business size

- Increasing profitability with improved operational efficiency
- Strong cash position with ample free cash flow
Continous Expansion in Borrower Base Driving Stable Volume Growth

Number of Borrowers Loans Facilitated

(RMB Million)
4Q23: 4Q23:
+14% QoQ 1,371,501
+19% QoQ 11,646
1,204,012
+59% YoY +72% YoY
9,814
1,013,972
8,156
862,226 872,235

737,320 6,784
6,299 6,420

556,094 4,934
508,746 4,607

1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23
 Insurance Brokerage Business : Key Strategic Pillar
Gross Written Premiums Cumulative Number of Insurance Clients
(RMB Million)
4Q23: 4Q23:
1,283,102
-15% QoQ 1 +2% QoQ 1,256,762

-9% YoY 1 +39% YoY 1,133,069

1,428 1,007,238
1,335 1,332 924,824
866,874
1,209
755,819
997
923 633,431
806 798

1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23

Note1: The decrease in gross written premium in 4Q23 was due to the decreased volume of life insurance following product changes under the new regulations.
Robust Revenue Growth with Increased Business Scale
Net Revenue

(RMB Million) (RMB Million)

4Q23: FY23:
-3% QoQ +43% YoY
+17% YoY 4,896

1,324 1,311 1,274

1,088 3,435
986
801 841

705

1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23
Improved Profitablity

GAAP Net Income

(RMB Million) (RMB Million)

4Q23: FY23:
+3% QoQ +74% YoY 2,080

+18% YoY
571
554
527
485
427
1,195

254 270

185

1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 FY22 FY23
Delinquency Rates

1.5% 15-29 days 30-59 days 60-89 days

1.4%

1.3% 1.2% 1.3%

1.2%1.2% 1.2% 1.2%
1.1% 1.1%
1.1%
1.0%
1.0%
0.9%
0.9%
0.8% 0.8%
0.7%
0.7%
0.7%
0.6%
0.6%
0.5%

FY19 FY20 FY21 FY22 1Q23 2Q23 3Q23 4Q23

Future Strategies

Financial service business Insurance brokerage

Proactively adapting products and partnerships to

01 Expanding customer base and increasing line

of credits for high quality borrowers through
constantly-evolving AI systems and improved
02 embrace new regulations in the short-term, and
enhancing partnerships via both 2B2C and B2B
models while expanding market reach through
services
long-term product innovation and customization

International expansion AI upgrade

03 The financial services business in Southeast Asia

is thriving and strategically expanding into global
markets, capitalizing on insights and expertise
04 Developing an LLMOps platform and LLMs for
fintech and selected sectors, fostering a leading AI-
powered service platform for both individuals and
acquired from its business activities in the
Philippines businesses.
Investment Highlights

Diversified Business Lines Driving Innovation and Value

Comprehensive services covering a wide range of financial needs

and consumption demands, strong synergies, healthy unit 01
economics with multiple growth drivers

A Leading AI Business in the Making

02
Harnessing AI expertise from fintech verticals to
extend services to selected sectors, a highly
scalable LLMOps platform with open-source
High Profitability and Sufficient Cash Reserve
functionalities, and an expanding AI ecosystem
03 Continued growth in profitability with improved operational efficiency,
through strategic partnerships
strong cash position ready to seize any new opportunities ahead

17 Years of Operation & Strong Management Team

04
Strong management team with decades of experience in the industry,
solid operation fully tested by external changing environment
03 Appendix
Income Statement
Cash Flow Data
Balance Sheets
Operating Highlights
Delinquency Rates
NCOs
NCOs by Vintage
 THANKS!

For more information, please contact our IR team at [email protected]

Welcome to follow us on our LinkedIn and X accounts @Yiren Digital Ltd.