Yiren Digital Investor Presentation — March 2020

Document content

Q42019InvestorPresentationMarch 2020Thismaterialcontainsforward-lookingstatements.Thesestatementsconstitute“forward-looking”statementswithinthemeaningofSection21EoftheSecuritiesExchangeActof1934,asamended,andasdefinedintheU.S.PrivateSecuritiesLitigationReformActof1995.Theseforward-lookingstatementscanbeidentifiedbyterminologysuchas“will,”“expects,”“anticipates,”“future,”“intends,”“plans,”“believes,”“estimates,”“target,”“confident”andsimilarstatements.Suchstatementsarebaseduponmanagement’scurrentexpectationsandcurrentmarketandoperatingconditions,andrelatetoeventsthatinvolveknownorunknownrisks,uncertaintiesandotherfactors,allofwhicharedifficulttopredictandmanyofwhicharebeyondYirendai’scontrol.Forward-lookingstatementsinvolverisks,uncertaintiesandotherfactorsthatcouldcauseactualresultstodiffermateriallyfromthosecontainedinanysuchstatements.Potentialrisksanduncertaintiesinclude,butarenotlimitedto,uncertaintiesastoYirenDigital’sabilitytoattractandretainborrowersandinvestorsonitsmarketplace,itsabilitytointroducenewloanproductsandplatformenhancements,itsabilitytocompeteeffectively,PRCregulationsandpoliciesrelatingtothepeer-to-peerlendingserviceindustryinChina,generaleconomicconditionsinChina,andYirenDigital’sabilitytomeetthestandardsnecessarytomaintainlistingofitsADSsontheNYSEorotherstockexchange,includingitsabilitytocureanynon-compliancewiththeNYSE’scontinuedlistingcriteria.Furtherinformationregardingtheseandotherrisks,uncertaintiesorfactorsisincludedinYirenDigital’sfilingswiththeU.S.SecuritiesandExchangeCommission.Allinformationprovidedinthismaterialisasofthedateofthismaterial,andYirenDigitaldoesnotundertakeanyobligationtoupdateanyforward-lookingstatementasaresultofnewinformation,futureeventsorotherwise,exceptasrequiredunderapplicablelaw.Safe Harbor Statement

2YirenDigital Overview1

BusinessHighlights2Key Financial Highlights3YirenDigital

Leading digital financial services platform in China

YirenCredit –Full spectrum of credit products with online/offline customer services channels

YirenWealth –One stop asset allocation-based online wealth management service for Mass Affluent Investors

Strong synergies between credit & wealth business to drive next phase growth

Strong management team with deep experiencesLeading DigitalFinancialServices Platform

Digital Personal Financial Service

Long Term ValuePositioningBusiness ModelMonetization

CapitalConsumer Credit and Wealth ManagementLoan & AUM Based Recurring Service FeeLightCustomer Value

5YirenDigital: Differentiated Business ModelInvestor AUA P2PQ4 2019~RMB 34BnNo. of Active Investors P2PQ4 2019~482KAUA Non P2P Investments~RMB 1Bn (+64%Q/Q)88k Active InvestorsLoan BalanceQ4 2019~RMB 52BnNo. of New BorrowersQ4 2019~126KCustomer ServiceOnline & OfflineLeading Digital Wealth Management PlatformLeading Consumer CreditechPlayer