Yirendai Reports Third Quarter 2018 Financial Results

BEIJING,Nov. 13,2018 -- Yirendai Ltd. (NYSE: YRD) ("Yirendai" or the "Company"),a leading fintech company in China,today announced its unaudited financial results for the quarter ended September 30,2018.

For the Three Months Ended

in RMB million

30-Sep-18

30-Sep-17

YoY Change

Amount of Loans Facilitated

6,546.2

12,185.4

-46%

Total Net Revenue

1,121.2

1,513.9

-26%

Net Income

151.6

303.0

-50%

Adjusted EBITDA (non-GAAP)*

509.3

422.4

21%

Adjusted Net Income (non-GAAP)*

367.5

303.0

21%

* For the third quarter of 2018,adjusted EBITDA and adjusted net income includes RMB 215.9

million adjustment on income earned from loans facilitated prior to 2018,if ASC 606 was not

adopted.

In the third quarter of 2018,Yirendai facilitated RMB 6,546.2 million (US$953.1 million) of loans to 96,402 qualified individual borrowers through its online marketplace; 32.2% of loan volume were generated by repeat borrowers who have successfully borrowed on Yirendai's platform before; 74.8% of the borrowers were acquired from online channels; 100% of the loan volume originated from online channels was facilitated through mobile.

In the third quarter of 2018,Yirendai facilitated 164,218 investors with total investment amount of RMB 11,412.6 million (US$1,661.7 million),100% of which was facilitated through its online platform and 96% of which was facilitated through its mobile application.

In the third quarter of 2018,total net revenue was RMB 1,121.2 million (US$163.2 million),a decrease of 26% from prior year; net income was RMB 151.6 million (US$22.1 million),a decrease of 50% from prior year and adjusted net income in the third quarter of 2018 was RMB 367.5 million (US$53.5 million),an increase of 21% from prior year.

"Despite a challenging industry environment during the quarter,we achieved solid performance," commented Ms. Yihan Fang,Chief Executive Officer of Yirendai. "We have seen continuously strong demand from investors on our platform,with our PICC insured loan products being sold out every day,reinforcing our leadership position. We remain confident about Yirendai's long-term prospects amid an uncertain industry environment."

"As the industry goes through the regulatory evaluation process,we maintain a prudent risk and growth policy," commented Mr. Dennis Cong,Chief Financial Officer of Yirendai. "We are currently awaiting regulators to begin on-site inspections at Yirendai and we are exceedingly confident of our ability to meet registration requirements. This quarter,one of our top priorities was cash and liquidity management,and with efforts made in product and funding diversification,we believe that we are in a solid cash and liquidity position,making us well-positioned to resume our growth and capture market opportunities as the industry consolidates."

Third Quarter 2018 Financial Results

Total amount of loans facilitated in the third quarter of 2018,was RMB 6,546.2 million (US$953.1 million),decreased by 46% from RMB 12,185.4 million in the same period last year as we proactively controlled our business growth. As of September 30,2018,Yirendai had facilitated approximately RMB 104.2 billion (US$15.2 billion) in loan principal since its inception.

Total net revenue in the third quarter of 2018 was RMB 1,decreased by 26% from RMB 1,513.9 million in the same period last year. The decrease of total net revenue was mainly attributable to a decline in loan origination volume.

Sales and marketing expenses in the third quarter of 2018 were RMB 451.0 million (US$65.7 million),compared to RMB 844.2 million in the same period last year. Sales and marketing expenses in the third quarter of 2018 accounted for 6.9% of amount of loans facilitated,remaining stable from 6.9% in the same period last year.

Origination and servicing costs in the third quarter of 2018 were RMB 155.0 million (US$22.6 million),compared to RMB 119.0 million in the same period last year. Origination and servicing costs in the third quarter of 2018 accounted for 2.4% of amount of loans facilitated,increased from 1.0% in the same period last year mainly due to increased collection efforts this quarter.

General and administrative expenses in the third quarter of 2018 were RMB 167.3 million (US$24.4 million),compared to RMB 172.6 million in the same period last year. General and administrative expenses in the third quarter of 2018 accounted for 14.9% of total net revenue,compared to 11.4% in the same period last year.

Provision expenses in the third quarter of 2018 were RMB 214.7 million (US$31.3 million),compared to RMB 163.0 million in the second quarter of 2018. The increase in provision expenseswasmainly attributable to more conservative changes in future collectability estimates.

Income tax expense in the third quarter of 2018 was RMB 34.2 million (US$5.0 million). Since the first quarter of 2017,Yi Ren Heng Ye Technology Development (Beijing) Co.,Ltd.,a subsidiary of the Company,enjoyed a favorable enterprise income tax rate of 12.5% as a software enterprise which qualification was confirmed by local tax bureau in the third quarter of 2016. This makes it eligible for an exemption of enterprise income tax for 2015 and 2016 and a favorable enterprise income tax rate of 12.5% for 2017,2018 and 2019.

Net income in the third quarter of 2018 was RMB 151.6 million (US$22.1 million),decreased by 50% from RMB 303.0 million in the same period last year.

Adjusted net income (non-GAAP) in the third quarter of 2018 was RMB 367.5 million (US$53.5 million),increased by 21% from RMB 303.0 million in the same period last year. For the third quarter of 2018,net income would be positively impacted by RMB 215.9 million if ASC 606 was not adopted,generated from loans facilitated prior to 2018.

Adjusted EBITDA (non-GAAP) in the third quarter of 2018 was RMB 509.3 million (US$74.2 million),increased by 21% from RMB 422.4 million in the same period last year. Adjusted EBITDA margin[1] (non-GAAP) in the third quarter of 2018 was 45.4%,compared to 27.9% in the same period last year. For the third quarter of 2018,adjusted EBITDA includes RMB 287.9 million adjustment on pre-tax income earned from loans facilitated prior to 2018,if ASC 606 was not adopted.

[1] Adjusted EBITDA margin is a non-GAAP financial measure calculated as adjusted EBITDA divided by total net revenue.

Basic income per ADS in the third quarter of 2018 was RMB 2.46 (US$0.36),decreased from RMB 5.00 in the same period last year.

Adjusted basic income per ADS in the third quarter of 2018 was RMB 5.97 (US$0.87). Adjusted basic income per ADS includes RMB 215.9 million adjustment on income earned from loans facilitated prior to 2018,if ASC 606 was not adopted.

Diluted income per ADS in the third quarter of 2018 was RMB 2.43 (US$0.35),decreased from RMB 4.91 in the same period last year.

Adjusted diluted income per ADS in the third quarter of 2018 was RMB 5.89 (US$0.86). Adjusted diluted income per ADS includes RMB 215.9 million adjustment on income earned from loans facilitated prior to 2018,if ASC 606 was not adopted.

Net cash used in operating activities in the third quarter of 2018 was RMB 138.2 million (US$20.1 million),compared to RMB 1,370.1 million in the second quarter of 2018.

As of September 30, cash and cash equivalents was RMB 806.9 million (US$117.5 million),compared to RMB 567.5 million as of June 30,2018. As of September 30,balance of held-to-maturity investments was RMB 319.6 million (US$46.5 million),compared to RMB 312.1 million as of June 30,balance of available-for-sale investments was RMB 833.8 million (US$121.4 million),compared to RMB 530.1 million as of June 30,2018.

Delinquency rates. As of September 30,the delinquency rates for loans that are past due for 15-29 days,30-59 days and 60-89 days were 1.1%,1.8% and 1.5%,compared to 0.8%,1.2% and 1.3%,as of June 30,2018. The increase in delinquency rates was partially due to the slower loan volume growth as well as continuous movements in the Company's asset credit performance.

Cumulative M3+ net charge-off rates. As of September 30,the cumulative M3+ net charge-off rate for loans originated in 2015 was 10.3%,compared to 10.1% as of June 30,the cumulative M3+ net charge-off rate for loans originated in 2016 was 9.6%,compared to 8.7% as of June 30,the cumulative M3+ net charge-off rate for loans originated in 2017 was 8.5%,compared to 6.0% as of June 30,2018.

Other Operating Metrics and Business Results

As of September 30,remaining principal of performing loans totaled RMB 42.6 billion (US$6.2 billion),decreased by 7% from RMB 45.8 billion as of June 30,2018 and increased by 24% from RMB 34.2 billion as of September 30,2017.

In the third quarter of 2018,Grade I,II,III,IV and V loans represented 11.5%,32.7%,31.3%,17.8% and 6.7% of the Company's product portfolio,respectively.

Non-GAAP Financial Measures

In evaluating the business,the Company considers and uses several non-GAAP financial measures,such as adjusted net income,adjusted EBITDA,adjusted EBITDA margin,adjusted basic income per ADS and adjusted diluted income per ADS as supplemental measures to review and assess operating performance. We believe these non-GAAP measures provide useful information about our core operating results,enhance the overall understanding of our past performance and prospects and allow for greater visibility with respect to key metrics used by our management in our financial and operational decision-making. The presentation of these non-GAAP financial measures is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with accounting principles generally accepted in the United States of America ("U.S. GAAP"). The non-GAAP financial measures have limitations as analytical tools. Other companies,including peer companies in the industry,may calculate these non-GAAP measures differently,which may reduce their usefulness as a comparative measure. The Company compensates for these limitations by reconciling the non-GAAP financial measures to the nearest U.S. GAAP performance measure,all of which should be considered when evaluating our performance. See "Operating Highlights and Reconciliation of GAAP to Non-GAAP measures" at the end of this press release.

Currency Conversion

This announcement contains currency conversions of certain RMB amounts into US$ at specified rates solely for the convenience of the reader. Unless otherwise noted,all translations from RMB to US$ are made at a rate of RMB 6.8680 to US$1.00,the effective noon buying rate on September 28,2018 as set forth in the H.10 statistical release of the Federal Reserve Board.

Conference Call

Yirendai's management will host an earnings conference call at8:00 p.m. Eastern TimeonNovember 12,(or 9:00 a.m.Beijing/Hong Kong Time onNovember 13,2018).

Dial-in details for the earnings conference call are as follows:

International:

+65 6713-5091

U.S. Toll Free:

+1 866-519-4004

Hong Kong Toll Free:

800-906-601

China Toll Free:

400-620-8038

Conference ID:

2788437

A replay of the conference call may be accessed by phone at the following numbers untilNovember 19,2018:

International:

+61 2-8199-0299

U.S. Toll Free:

+1 646-254-3697

Replay Access Code:

2788437

Additionally,a live and archived webcast of the conference call will be available atir.yirendai.com.

Safe Harbor Statement

This press release 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 Yirendai'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 peer-to-peer lending service industry in China,general economic conditions in China,and Yirendai'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 Yirendai's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release,and Yirendai 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.

About Yirendai

Yirendai Ltd. (NYSE: YRD) is a leading fintech company in China connecting investors and individual borrowers. The Company provides an effective solution to address largely underserved investor and individual borrower demand in China through an online platform that automates key aspects of its operations to efficiently match borrowers with investors and execute loan transactions. Yirendai deploys a proprietary risk management system,which enables the Company to effectively assess the creditworthiness of borrowers,appropriately price the risks associated with borrowers,and offer quality loan investment opportunities to investors. Yirendai's online marketplace provides borrowers with quick and convenient access to consumer credit at competitive prices and investors with easy and quick access to an alternative asset class with attractive returns. For more information,please visit ir.yirendai.com.

For investor and media inquiries,please contact:

Yirendai

Hui (Matthew) Li

Director of Investor Relations

Email: ir@yirendai.com

Unaudited Condensed Consolidated Statements of Operations

(in thousands,except for share,per share and per ADS data,and percentages)

For the Three Months Ended

For the Nine Months Ended

September 30,

2017

June 30,

2018

September 30,

2017

September 30,

2018

RMB

RMB

RMB

USD

RMB

RMB

USD

Net revenue:

Loan facilitation services

1,425,162

997,450

516,849

75,254

3,522,760

2,761,915

402,143

Post-origination services

49,951

61,673

79,665

11,600

124,652

194,743

28,355

Account management services

-

401,960

441,146

64,232

-

1,204,227

175,339

Others

38,791

58,489

83,514

12,160

71,148

189,176

27,545

Total net revenue

1,513,904

1,519,572

1,121,174

163,246

3,718,560

4,350,061

633,382

Operating costs and expenses:

Sales and marketing

844,165

793,750

450,986

65,665

1,931,425

2,026,462

295,059

Origination and servicing

119,036

147,031

154,953

22,562

270,967

444,724

64,753

General and administrative

172,643

333,406

167,288

24,358

371,755

837,974

122,011

Provision expenses

-

163,029

214,695

31,260

-

494,348

71,978

Total operating costs and expenses

1,135,844

1,437,216

987,922

143,845

2,574,147

3,803,508

553,801

Interest income,net

33,250

20,753

7,856

1,144

84,797

56,135

8,173

Fair value adjustments related to

Consolidated ABFE

(22,762)

142,603

44,627

6,498

(23,322)

191,693

27,911

Non-operating income,net

158

5

41

6

920

(406)

(59)

Income before provision for income taxes

388,706

245,717

185,776

27,049

1,206,808

793,975

115,606

Income tax expense

85,732

41,054

34,163

4,974

283,837

158,795

23,121

Net income

302,974

204,663

151,613

22,075

922,971

635,180

92,485

Weighted average number of ordinary

shares outstanding,basic

121,249,448

121,429,290

123,042,879

123,879

120,167,235

121,951,944

121,944

Basic income per share

2.4988

1.6855

1.2322

0.1794

7.6807

5.2084

0.7584

Basic income per ADS

4.9976

3.3710

2.4644

0.3588

15.3614

10.4168

1.5168

Weighted average number of ordinary

shares outstanding,diluted

123,509,834

123,656,710

124,875,663

124,663

121,757,910

124,107,002

124,002

Diluted income per share

2.4530

1.6551

1.2141

0.1768

7.5804

5.1180

0.7452

Diluted income per ADS

4.9060

3.3102

2.4282

0.3536

15.1608

10.2360

1.4904

Unaudited Condensed Consolidated

Cash Flow Data

Net cash generated from/(used in)

operating activities

346,329

(1,370,147)

(138,204)

(20,123)

1,441,204

(1,846,078)

(268,794)

Net cash provided by/ (used in)

investing activities

342,289

(491,870)

(82,268)

(11,978)

(181,099)

(956,329)

(139,244)

Net cash (used in)/ provided by

financing activities

(127,864)

197,184

(105,574)

(15,372)

(267,698)

46,434

6,761

Effect of foreign exchange rate changes

(14,885)

8,117

15,405

2,244

(25,127)

12,546

1,827

Net increase/(decrease) in cash,cash

equivalents and restricted cash

545,869

(1,716)

(310,641)

(45,229)

967,280

(2,743,427)

(399,450)

Cash,cash equivalents and restricted

cash,beginning of period

2,607,922

2,886,798

1,230,082

179,103

2,186,511

3,662,868

533,324

Cash,end of period

3,153,791

1,082

919,441

133,874

3,791

919,874

Unaudited Consolidated Balance Sheet

(in thousands)

As of

September 30,

2018

RMB

RMB

RMB

USD

Cash and cash equivalents

1,403,529

567,502

806,946

117,494

Restricted cash

1,750,262

662,580

112,495

16,380

Accounts receivable

24,050

6,856

6,616

962

Prepaid expenses and other assets

1,136,993

1,228,150

1,180,650

171,906

Loans at fair value

558,178

1,659,310

1,335,584

194,465

Amounts due from related parties

176,867

119,616

121,864

17,744

Held-to-maturity investments

168,917

312,101

319,639

46,540

Available-for-sale investments

996,660

530,057

833,835

121,409

Property,equipment and software,net

81,515

96,769

96,640

14,071

Deferred tax assets

685,875

429,964

231,655

33,730

Contract assets,net

-

2,552,900

2,250,185

327,633

Total assets

6,982,846

8,165,805

7,296,109

1,062,334

Accounts payable

22,634

36,657

33,170

4,830

Amounts due to related parties

22,740

54,954

102,844

14,974

Liabilities from quality assurance program and guarantee

2,392,794

12,152

6,470

942

Deferred revenue

194,646

-

-

-

Payable to third-party credit assurance program

-

1,241,859

353,040

51,404

Payable to investors at fair value

145,200

51,988

13,944

2,030

Accrued expenses and other liabilities

1,704,620

1,234,407

1,074,196

156,406

Deferred tax liabilities

4,545

658,156

561,370

81,737

Contract liabilities

294,680

376,905

54,879

Total liabilities

4,487,179

3,584,853

2,521,939

367,202

Ordinary shares

76

76

77

11

Additional paid-in capital

1,094,916

1,174,158

1,266,534

184,411

Treasury stock

-

-

(254)

(37)

Accumulated other comprehensive income

4,330

9,005

18,360

2,673

Retained earnings

1,396,345

3,397,713

3,489,453

508,074

Total equity

2,495,667

4,580,952

4,774,170

695,132

Total liabilities and equity

6,334

Operating Highlights and Reconciliation of GAAP to Non-GAAP Measures

(in thousands,except for number of borrowers,number of investors and percentages)

For the Three Months Ended

For the Nine Months Ended

September 30,

2018

RMB

RMB

RMB

USD

RMB

RMB

USD

Operating Highlights

Amount of loans facilitated

12,185,367

11,736,216

6,546,167

953,141

27,967,538

30,239,102

4,402,898

Loans generated from online channels

6,972,156

7,608,411

4,147,761

603,926

14,833,895

18,696,514

2,722,265

Loans generated from offline channels

5,213,211

4,127,805

2,398,406

349,215

13,133,643

11,542,588

1,680,633

Number of borrowers

192,725

177,754

96,402

96,402

455,507

447,791

447,791

Borrowers from online channels

145,838

135,686

72,108

72,108

329,736

333,765

333,765

Borrowers from offline channels

46,887

42,068

24,294

24,294

125,771

114,026

114,026

Number of investors

214,967

202,380

164,218

164,218

455,251

430,293

430,293

Investors from online channels

214,293

Reconciliation of Net Income

Net income

302,485

Adjustments on net income generated from

loans pre-2018 (before adopting ASC606)

-

235,877

215,920

31,438

-

701,219

102,099

Adjusted net income

302,974

440,540

367,533

53,513

922,971

1,336,399

194,584

Reconciliation of EBITDA

Net income

302,485

Adjustments on income before income

taxes,generated from loans pre-2018

(before adopting ASC606)

-

314,503

287,892

41,918

-

934,958

136,133

Interest income,net

-33,250

(20,753)

(7,856)

(1,144)

(84,797)

(56,135)

(8,173)

Income tax expense

85,121

Depreciation and amortization

6,892

9,119

10,944

1,594

15,991

28,563

4,159

Share-based compensation

60,065

17,791

32,537

4,737

63,142

67,902

9,887

Adjusted EBITDA

422,413

566,377

509,293

74,154

1,201,144

1,769,263

257,612

Adjusted EBITDA margin

27.9%

37.3%

45.4%

45.4%

32.3%

40.7%

40.7%

Operating Highlights

(in thousands)

As of

September 30,

2018

RMB

RMB

RMB

USD

Operating Highlights

Remaining principal of performing loans

34,235,727

45,849,674

42,576,846

6,199,308

Remaining principal of performing loans covered by

quality assurance program and guarantee

33,622,142

148,523

124,811

18,173

Remaining principal of performing loans covered by

third-party credit assurance program

-

42,149,174

38,960,185

5,672,712

Delinquency Rates

Delinquent for

15-29 days

30-59 days

60-89 days

All Loans

December 31,2014

0.3%

0.2%

0.2%

December 31,2015

0.4%

0.5%

0.4%

December 31,2016

0.4%

0.7%

0.6%

December 31,2017

0.8%

0.9%

0.7%

March 31,2018

0.8%

1.6%

1.3%

June 30,2018

0.8%

1.2%

1.3%

September 30,2018

1.1%

1.8%

1.5%

Online Channels

December 31,2014

0.4%

0.3%

0.2%

December 31,2015

0.6%

0.8%

0.6%

December 31,2016

0.6%

1.0%

0.8%

December 31,2017

1.2%

1.2%

0.9%

March 31,2018

1.0%

2.2%

1.8%

June 30,2018

0.9%

1.5%

1.6%

September 30,2018

1.2%

2.2%

1.9%

Offline Channels

December 31,2015

0.3%

0.4%

0.3%

December 31,2016

0.4%

0.6%

0.4%

December 31,2017

0.5%

0.7%

0.5%

March 31,2018

0.6%

1.1%

0.8%

June 30,2018

0.7%

1.0%

1.0%

September 30,2018

0.9%

1.3%

1.1%

Net Charge-Off Rate for Upgraded Risk Grid

Loan issued

period

Customer

grade

Amount of loans facilitated

during the period

Accumulated M3+ Net Charge-Off

as of September 30,2018

Total Net Charge-Off Rate

as of September 30,2018

(in RMB thousands)

(in RMB thousands)

2014

I

-

-

-

II

1,921,372

84,573

4.4%

III

303,276

19,105

6.3%

IV

-

-

-

V

3,913

518

13.2%

Total

2,561

104,196

4.7%

2015

I

146,490

4,533

3.1%

II

1,614,354

98,803

6.1%

III

2,705

215,455

8.5%

IV

2,506,107

270,642

10.8%

V

2,768,957

392,692

14.2%

Total

9,557,613

982,126

10.3%

2016

I

497,220

17,223

3.5%

II

3,137,889

148,707

4.7%

III

3,763,081

245,613

6.5%

IV

5,183,233

436,959

8.4%

V

7,799,180

1,111,359

14.2%

Total

20,380,603

1,959,861

9.6%

2017

I

2,701,162

79,896

3.0%

II

9,079,647

549,698

6.1%

III

10,611,451

928,899

8.8%

IV

10,263,135

1,010,216

9.8%

V

8,663

969,227

11.1%

Total

41,406,058

3,537,937

8.5%

Q1-Q3 2018

I

2,871,763

14,498

0.5%

II

8,326,827

91,292

1.1%

III

8,289,580

123,465

1.5%

IV

6,944,551

139,122

2.0%

V

3,806,381

95,347

2.5%

Total

30,102

463,723

1.5%

M3+ Net Charge-Off Rate

Loan issued

period

Month on Book

4

7

10

13

16

19

22

25

28

31

34

2013Q1

1.9%

3.2%

3.1%

2.3%

2.0%

0.9%

0.5%

0.5%

0.4%

0.4%

0.4%

2013Q2

1.8%

3.6%

4.5%

5.9%

6.4%

7.4%

6.1%

7.0%

7.5%

7.5%

7.8%

2013Q3

0.5%

2.8%

4.2%

5.5%

6.1%

6.5%

7.1%

7.1%

7.0%

6.9%

6.9%

2013Q4

0.7%

3.4%

4.8%

6.2%

6.8%

7.5%

8.3%

8.3%

8.2%

8.5%

8.3%

2014Q1

1.0%

4.2%

6.1%

7.0%

8.4%

9.3%

9.8%

9.7%

9.9%

9.8%

9.5%

2014Q2

0.5%

1.8%

2.6%

3.8%

4.3%

4.6%

4.6%

4.7%

4.7%

4.7%

4.8%

2014Q3

0.2%

0.8%

2.0%

2.8%

3.3%

3.7%

4.0%

4.2%

4.2%

4.1%

4.1%

2014Q4

0.3%

1.5%

2.7%

3.5%

4.1%

4.6%

5.1%

5.2%

5.2%

5.3%

5.3%

2015Q1

0.6%

2.7%

4.4%

5.8%

7.1%

8.2%

9.1%

9.6%

9.9%

10.2%

10.3%

2015Q2

0.5%

2.1%

3.7%

5.3%

6.6%

7.7%

8.6%

9.2%

9.6%

9.8%

10.1%

2015Q3

0.2%

1.6%

3.4%

4.9%

6.4%

7.4%

8.1%

8.6%

9.1%

9.5%

9.8%

2015Q4

0.2%

1.6%

3.2%

4.9%

6.2%

7.2%

8.0%

8.7%

9.4%

10.0%

2016Q1

0.2%

1.3%

2.9%

4.3%

5.4%

6.4%

7.2%

8.1%

8.9%

2016Q2

0.2%

1.7%

3.4%

4.9%

6.1%

7.1%

8.3%

9.4%

2016Q3

0.1%

1.5%

3.2%

4.6%

6.0%

7.5%

9.0%

2016Q4

0.2%

1.5%

3.0%

4.6%

6.4%

8.2%

2017Q1

0.2%

1.4%

3.2%

5.4%

7.6%

2017Q2

0.3%

2.0%

4.7%

7.5%

2017Q3

0.4%

3.0%

6.5%

2017Q4

0.6%

4.2%

2018Q1

0.5%

View original content:/news-releases/yirendai-reports-third-quarter-2018-financial-results-300748305.html