LexinFintech : Q2 2021 Investor Presentation

Investor Presentation

2Q21 Results

01 WHO

WE ARE

We Are a Fast-Growing Consumer Finance Enabler in China

New Generation Consumers

Technology-empowered

Accessible credit and

consumption scenarios

143.9 mm+

superior user experience

Registered Users1

New Retail Merchants

Fenqile Lehua Card Membership Le Installment

Financial Partners

Program

Just right is just perfect

Customer

Payment / Credit

Loyalty

Technology

Risk

Customer

Co-branded

Touchpoints

Solutions

Programs

Founded in 2013

Operations

Services

81 mm

8.95 mm

RMB1.46 bn

~100+

RMB60.6 bn

RMB90.5 bn

# of Transactions3

Merchants Connected

GMV of Fenqile3

Funding Partners2

Loan Originations3

Loan Balance2

to Lehua Card2

1. As of June 30,2021
2. As of June 30,2021

3.	In 2Q 2021	1

We Serve the New Generation Consumers

New Generation

Consumers

Customer

Profile

Lexin's Value

Proposition

						26.3 Years Old
						Average Customer1 Age
						As of June 30, 2021
High	High Consumption	Strong Desire	Strong Pursuit for
Income Potential	Needs	to Build Credit Record	Customer Experience	13K RMB
						Average Credit Limit
						in 2Q 2021
			Flagship E-commerce	Customers' First	Plug-in APP for	8.4 mm
High Quality	Active Customers
Products	Platform & Merchant	Touchpoint for Credit and	Frictionless	in 2Q 2021
			Partnerships	Lifetime Growth	Customer Journey

1. Customers who have transactions in 2Q 2021

2

We Connect Consumers to Our Flagship Products through Omni-Channels

Fenqile Platform	Lehua Card	Le Installment	Membership Program

Products	E-commerce platform	Virtual credit tool1 at POS	Installment at POS	Loyalty program
Value	Consumption + Installment	Payment + Credit	Consumption + Credit	Customer Gateway
Proposition
Customer	Lexin's own APP	POS at major	POS at partnered merchants	Lexin's own APP
Touchpoints	online payment portals
Operating	RMB1.46 bn	RMB17.1 bn	117 Partners	~6.1 mm Members2
Highlights	GMV for 2Q 2021	Loan Originations for 2Q 2021	For 2Q 2021	As of June 2021
Selected		Travel	Food & Beverage
Partners		Ride Hailing	Convenient Stores

1. From partnership with banks who provides the Type II account

2.	Including Le Card and Lehei Card	3