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1Q2 2021 Investor Presentation August 2021
Investor Presentation
August 20212This 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 Yirendai’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.Safe Harbor Statement3Yiren Digital Overview 1Contents
Business Highlights 2
Key Financial Highlights 34
Leading Digital Personal Financial Services Platform in China
Wealth Management: One-Stop Asset Allocation-based Service for the Mass
Consumer Credit: Full Spectrum of Credit Products with Both Online & Offline
Data and Technology at Core
Strong Industry Partnership
5 5Positioned as a Leading Digital Personal Financial Management Platform
Consumption ProtectionIncome
Generation6Digital Personal Management Service
Long Term ValuePositioning
CapitalConsumer Credit and
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