360金融2022年四季度报告

Skiptomainnavigation EN 简 繁 Home Corporate oCorporateProfile oManagement oBoardofDirectors oCorporateGovernance News&Events oInvestorNews oInvestorEvents oWebcasts&Presentations Reports&Filings oSECFilings oHKEXFilings oQuarterlyResults oAnnualReports ShareholderInformation oAnalystCoverage oFAQs Stock oStockQuote oStockChart oHistoricalPriceLookup oInvestmentCalculator ESG ContactUs oIRContact AnnouncementDetails 360DigiTechAnnouncesFourthQuarter2022andFullYear2022UnauditedFinancialResultsandDeclaresQuarterlyDividend Mar09,2023 PDFVersion SHANGHAI,China,March09,2023(GLOBENEWSWIRE)--DigiTech,Inc. (NASDAQ:QFIN;HKEX:3660)(“360DigiTech”orthe“Company”),aleadingCredit-TechplatforminChina,todayannounceditsunauditedfinancialresultsforthefourthquarterandfullyearendedDecember31,2022,anddeclaredquarterlydividend. FourthQuarter2022BusinessHighlights AsofDecember31,2022,ourplatformhasconnected143financialinstitutionalpartnersand208.7millionconsumers*1withpotentialcreditneeds,cumulatively,anincreaseof10.9%from188.2millionayearago. Cumulativeuserswithapprovedcreditlines*2were44.5millionasofDecember31,2022,anincreaseof15.6%from38.5millionasofDecember31,2021. Cumulativeborrowerswithsuccessfuldrawdown,includingrepeatborrowerswas 27.0millionasofDecember31,2022,anincreaseof11.1%from24.3millionasofDecember31,2021. Inthefourthquarterof2022,financialinstitutionalpartnersoriginated14,345,808loans*3throughourplatform.TotalfacilitationandoriginationloanvolumereachedRMB104,572million*4,anincreaseof7.9%fromRMB96,910millioninthesameperiodof2021. Outofthoseloansoriginatedbyfinancialinstitutions,RMB58,438millionwasundercapital-lightmodel,IntelligenceCreditEngine(“ICE”)andothertechnologysolutions*5,representing55.9%ofthetotal,anincreaseof12.7%fromRMB51,866millioninthesameperiodof2021. Totaloutstandingloanbalance*6wasRMB163,465millionasofDecember31,2022,anincreaseof15.1%fromRMB141,987millionasofDecember31,2021. RMB96,558millionofsuchloanbalancewasundercapital-lightmodel,“ICE”andothertechnologysolutions*7,anincreaseof25.0%fromRMB77,268millionasofDecember31,2021. FinancialinstitutionsgrantedapproximatelyRMB0.8billioncreditlinestosmallandmicro-sizedenterprisesandtheirowners(collectively,SMEs)*8throughourplatforminthefourthquarterof2022. Theweightedaveragecontractualtenorofloansoriginatedbyfinancialinstitutionsacrossourplatforminthefourthquarterof2022wasapproximately 11.38months,comparedwith10.33monthsinthesameperiodof2021. 90day+delinquencyrate*9ofloansoriginatedbyfinancialinstitutionsacrossourplatformwas2.03%asofDecember31,2022. Repeatborrowercontribution*10ofloansoriginatedbyfinancialinstitutionsacrossourplatformforthefourthquarterof2022was90.3%. 1Referstocumulativeregisteredusersacrossourplatform. 2“Userswithapprovedcreditlines”referstothetotalnumberofuserswhohadsubmittedtheircreditapplicationsandwereapprovedwithacreditlineattheendofeachperiod. 3Including5,012,906loansacross“V-pocket”,and9,332,902loansacrossother products. 4Referstothetotalprincipalamountofloansfacilitatedandoriginatedduringthegivenperiod,includingloanvolumefacilitatedthroughIntelligenceCreditEngine(“ICE”)andothertechnologysolutions. 5“ICE”isanopenplatformonour“360Jietiao”APP,wematchborrowersandfinancialinstitutionsthroughbigdataandcloudcomputingtechnologyon“ICE”,andprovidepre-loaninvestigationreportofborrowers.Forloansfacilitatedthrough“ICE”,theCompanydoesnotbearprincipalrisk.Loanfacilitationvolumethrough“ICE”wasRMB4,174millioninthefourthquarterof2022. Underothertechnologysolutions,weofferfinancialinstitutionson-premisedeployed,modularriskmanagementSaaS,whichhelpsfinancialinstitutionpartnersimprovecreditassessmentresults.LoanfacilitationvolumethroughothertechnologysolutionswasRMB21,563millioninthefourthquarterof2022. 6“Totaloutstandingloanbalance”referstothetotalamountofprincipaloutstandingforloansfacilitatedandoriginatedattheendofeachperiod,includingloanbalancefor“ICE”andothertechnologysolutions,excludingloansdelinquentformorethan180days. 7Outstandingloanbalancefor“ICE”andothertechnologysolutionswereRMB7,294millionandRMB31,126million,respectively,asofDecember31,2022. 8SMEloansareloansissuedtoSMEswithe-commerceoperations,withbusinesssalesreceipt,and/orwithbusinesstaxationrecord. 9“90day+delinquencyrate”referstotheoutstandingprincipalbalanceofon-andoff-balancesheetloansthatwere91to180calendardayspastdueasapercentageofthetotaloutstandingprincipalbalanceofon-andoff-balancesheetloansacrossourplatformasofaspecificdate.Loansthatarecharged-offandloansunder“ICE”andothertechnologysolutionsarenotincludedinthedelinquencyratecalculation. 10“Repeatborrowercontribution”foragivenperiodrefersto(i)theprincipalamountofloansborrowedduringthatperiodbyborrowerswhohadhistoricallymadeatleastonesuccessfuldrawdown,dividedby(ii)thetotalloanfacilitationandoriginationvolumethroughourplatformduringthatperiod. FourthQuarter2022FinancialHighlights TotalnetrevenuewasRMB3,906.6million(US$566.4million),comparedtoRMB4,422.1millioninthesameperiodof2021. IncomefromoperationswasRMB9