Investor Presentaiton
Proven operating history enabled by technology
Digital platform with successful transition
With improving funding cost and delinquency rates
High quality growth
Through shifting towards better quality borrowers
Loan origination volume (2)
RMB in billions
5+54%~84%
61.5
65.1
100-120
13.1
13.2 17.3
26.8
21.6
29-30
13-year proven operating history
* Successful shift towards 100% Institutional funds(1)
Advanced proprietary technology
Thousands of variables for credit assessment
FY 18 FY 19 FY20 FY21F 20Q1
Domestic loans
Outstanding loan balance (3)
RMB in billions
Diversified business strategy
Expansion into Southeast Asia
20Q2 20Q3 20Q4 21Q1 21Q2F
■International loans
32.5
29.1
26.7
26.7
24.3
24.0
21.1
22.3
FY 18
FY 19
FY20 20Q1
20Q2
20Q3
20Q4
21Q1
■Domestic loan balance
■International loan balance
(1)The proportion of loans facilitated by institutional partners increased from 44.8% in 2019 to 100.0% in 4Q19 and beyond.
(2)Loan origination volume includes domestic and international business.
(3)Outstanding loan balance represents loan balance of all businesses at the end of each period.
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