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Pintec Technology Holdings Ltd. – ‘20-F’ for 12/31/21 – ‘EX-101.CAL’

On:  Thursday, 4/28/22, at 6:03am ET   ·   For:  12/31/21   ·   Accession #:  1193125-22-125009   ·   File #:  1-38712

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  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/28/22  Pintec Technology Holdings Ltd.   20-F       12/31/21  135:19M                                    Donnelley … Solutions/FA

Annual or Annual-Transition Report by a Foreign Non-Canadian Issuer   —   Form 20-F   —   SEA’34

Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 20-F        Annual or Annual-Transition Report by a Foreign     HTML   2.86M 
                Non-Canadian Issuer                                              
 2: EX-1.1      Underwriting Agreement or Conflict Minerals Report  HTML    206K 
 3: EX-4.72     Instrument Defining the Rights of Security Holders  HTML    173K 
 4: EX-4.73     Instrument Defining the Rights of Security Holders  HTML    137K 
 5: EX-4.74     Instrument Defining the Rights of Security Holders  HTML     70K 
 6: EX-4.75     Instrument Defining the Rights of Security Holders  HTML     57K 
 7: EX-4.76     Instrument Defining the Rights of Security Holders  HTML     41K 
 8: EX-8.1      Opinion of Counsel re: Tax Matters                  HTML     36K 
11: EX-13.1     Annual or Quarterly Report to Security Holders      HTML     36K 
12: EX-13.2     Annual or Quarterly Report to Security Holders      HTML     36K 
 9: EX-12.1     Statement re: the Computation of Ratios             HTML     41K 
10: EX-12.2     Statement re: the Computation of Ratios             HTML     41K 
13: EX-15.1     Letter re: Unaudited Interim Financial Info         HTML     36K 
14: EX-15.2     Letter re: Unaudited Interim Financial Info         HTML     36K 
15: EX-15.3     Letter re: Unaudited Interim Financial Info         HTML     35K 
21: R1          Cover Page                                          HTML    119K 
22: R2          Consolidated Balance Sheets                         HTML    210K 
23: R3          Consolidated Balance Sheets (Parenthetical)         HTML     72K 
24: R4          Consolidated Statements Of Operations And           HTML    194K 
                Comprehensive Loss                                               
25: R5          Consolidated Statements Of Operations And           HTML     37K 
                Comprehensive Loss (Parenthetical)                               
26: R6          Consolidated Statements Of Changes In Equity        HTML    121K 
27: R7          Consolidated Statements Of Changes In Equity        HTML     38K 
                (Parenthetical)                                                  
28: R8          Consolidated Statements Of Cash Flows               HTML    220K 
29: R9          Organization and principal activities               HTML    121K 
30: R10         Summary of significant accounting policies          HTML    168K 
31: R11         Concentration and risks                             HTML     44K 
32: R12         Acquisitions                                        HTML     57K 
33: R13         Financing receivables, net                          HTML     82K 
34: R14         Accounts receivable, net                            HTML     63K 
35: R15         Prepayments and other current assets, net           HTML     59K 
36: R16         Property, equipment and software, net               HTML     55K 
37: R17         Long-term investments                               HTML     76K 
38: R18         Fair value measurement                              HTML     73K 
39: R19         Intangible assets, net                              HTML     52K 
40: R20         Goodwill                                            HTML     38K 
41: R21         Funding debts                                       HTML     46K 
42: R22         Borrowings                                          HTML     56K 
43: R23         Financial guarantee liabilities and financial       HTML     77K 
                guarantee assets                                                 
44: R24         Convertible loan                                    HTML     41K 
45: R25         Accrued expenses and other liabilities              HTML     51K 
46: R26         Non-controlling interests                           HTML     40K 
47: R27         Taxation                                            HTML    167K 
48: R28         Share based compensation expenses                   HTML    103K 
49: R29         Related party transactions                          HTML    151K 
50: R30         Defined contribution plan                           HTML     42K 
51: R31         Loss per share                                      HTML     61K 
52: R32         Commitments and contingencies                       HTML     49K 
53: R33         Subsequent events                                   HTML     39K 
54: R34         Parent company only condensed financial             HTML    197K 
                information                                                      
55: R35         Summary of significant accounting policies          HTML    241K 
                (Policies)                                                       
56: R36         Organization and principal activities (Tables)      HTML    101K 
57: R37         Summary of significant accounting policies          HTML     47K 
                (Tables)                                                         
58: R38         Acquisitions (Tables)                               HTML     51K 
59: R39         Financing receivables, net (Tables)                 HTML     88K 
60: R40         Accounts receivable, net (Tables)                   HTML     65K 
61: R41         Prepayments and other current assets, net (Tables)  HTML     57K 
62: R42         Property, equipment and software, net (Tables)      HTML     52K 
63: R43         Long-term investments (Tables)                      HTML     64K 
64: R44         Fair value measurement (Tables)                     HTML     70K 
65: R45         Intangible assets, net (Tables)                     HTML     50K 
66: R46         Funding debts (Tables)                              HTML     45K 
67: R47         Borrowings (Tables)                                 HTML     55K 
68: R48         Financial guarantee liabilities and financial       HTML     80K 
                guarantee assets (Tables)                                        
69: R49         Accrued expenses and other liabilities (Tables)     HTML     51K 
70: R50         Taxation (Tables)                                   HTML    164K 
71: R51         Share based compensation expenses (Tables)          HTML     99K 
72: R52         Related party transactions (Tables)                 HTML    153K 
73: R53         Loss per share (Tables)                             HTML     60K 
74: R54         Commitments and contingencies (Tables)              HTML     43K 
75: R55         Parent company only condensed financial             HTML    199K 
                information (Tables)                                             
76: R56         Organization and principal activities (Details)     HTML     43K 
77: R57         Organization and principal activities -             HTML     80K 
                Establishment of Pintec, its subsidiaries and VIEs               
                (Details)                                                        
78: R58         Organization and principal activities - Risks in    HTML     93K 
                relation to the VIE structure (Details)                          
79: R59         Summary of significant accounting policies -        HTML     56K 
                Convenience translation, Cash and cash equivalents               
                and Financing receivables, net (Details)                         
80: R60         Summary of significant accounting policies -        HTML     55K 
                Estimated useful lives of property, equipment and                
                software, net (Details)                                          
81: R61         Summary of significant accounting policies -        HTML     52K 
                Schedule Of Acquired Finite Lived Intangible                     
                Assets By Major Class (Detail)                                   
82: R62         Summary of significant accounting policies -        HTML     97K 
                Others (Details)                                                 
83: R63         Concentration and risks (Details)                   HTML     51K 
84: R64         Acquisitions (Detail)                               HTML     72K 
85: R65         Acquisitions - Schedule of allocation of the        HTML     71K 
                purchase price (Detail)                                          
86: R66         Financing receivables, net (Details)                HTML     54K 
87: R67         Financing receivables, net - Balances of financing  HTML     45K 
                receivables by due date (Details)                                
88: R68         Financing receivables, net - Movement of the        HTML     46K 
                allowance for credit losses (Details)                            
89: R69         Financing receivables, net - Aging analysis of      HTML     50K 
                past due (Details)                                               
90: R70         Accounts receivable, net (Details)                  HTML     50K 
91: R71         Accounts receivable, net - Allowance for doubtful   HTML     42K 
                accounts (Details)                                               
92: R72         Prepayments and other current assets, net           HTML     58K 
                (Details)                                                        
93: R73         Prepayments and other current assets (Details)      HTML     53K 
                (Parenthetical)                                                  
94: R74         Property, equipment and software, net (Details)     HTML     61K 
95: R75         Property, equipment and software, net               HTML     45K 
                (Parenthetical) (Details)                                        
96: R76         Long-term investments (Details)                     HTML     69K 
97: R77         Long-term investments - Cost and Equity method      HTML    103K 
                investment (Details)                                             
98: R78         Fair value measurement - Assets and liabilities     HTML     45K 
                (Details)                                                        
99: R79         Intangible assets, net (Details)                    HTML     62K 
100: R80         Goodwill (Details)                                  HTML     49K  
101: R81         Funding debts - Outstanding funding debts           HTML     39K  
                (Details)                                                        
102: R82         Funding debts - Terms of the funding debts          HTML     37K  
                borrowed and asset-backed securities (Details)                   
103: R83         Borrowings - Summary of Borrowings (Detail)         HTML     52K  
104: R84         Borrowing - Summary of Borrowings (Parenthetical)   HTML     47K  
                (Detail)                                                         
105: R85         Financial guarantee liabilities and financial       HTML     44K  
                guarantee assets (Details)                                       
106: R86         Financial guarantee liabilities and financial       HTML     47K  
                guarantee assets - Schedule of guarantee assets                  
                movement activities (Details)                                    
107: R87         Financial guarantee liabilities and financial       HTML     41K  
                guarantee assets - Schedule of guarantee assets                  
                allowance for credit loss movement activities                    
                (Detail)                                                         
108: R88         Convertible loan (Details)                          HTML     88K  
109: R89         Accrued expenses and other liabilities (Details)    HTML     57K  
110: R90         Non-controlling interests (Detail)                  HTML     65K  
111: R91         Taxation (Details)                                  HTML     89K  
112: R92         Taxation - Current and deferred portion of income   HTML     46K  
                tax expense (Details)                                            
113: R93         Taxation - Reconciliation between the statutory     HTML     66K  
                EIT rate and the effective tax rates (Details)                   
114: R94         Taxation - Deferred tax assets and deferred tax     HTML     68K  
                liabilities (Details)                                            
115: R95         Taxation - Changes in valuation allowance           HTML     44K  
                (Details)                                                        
116: R96         Taxation - Summary of Net Operating Loss            HTML     47K  
                Carryforwards (Detail)                                           
117: R97         Share based compensation expenses - Share options   HTML    120K  
                issued by Jimu Parent to employees of the Company                
                (Details)                                                        
118: R98         Share based compensation expenses - Restriction of  HTML     88K  
                ordinary shares held by senior management                        
                (Details)                                                        
119: R99         Share based compensation expenses - Share options   HTML     99K  
                issued by Pintec (Details)                                       
120: R100        Related party transactions (Details)                HTML    189K  
121: R101        Related party transactions - Balances with the      HTML     78K  
                major related parties (Details)                                  
122: R102        Related party transactions - Summary Of Movement    HTML     46K  
                Of Allowance For Credit Losses On Amounts Due From               
                Related Parties (Details)                                        
123: R103        Defined contribution plan (Details)                 HTML     37K  
124: R104        Loss per share (Details)                            HTML     48K  
125: R105        Loss per share (Parenthetical) (Details)            HTML     37K  
126: R106        Commitments and contingencies - Operating lease     HTML     51K  
                commitment (Details)                                             
127: R107        Subsequent events (Details)                         HTML     42K  
128: R108        Parent company only condensed financial             HTML    171K  
                information - Balance sheets (Details)                           
129: R109        Parent company only condensed financial             HTML     98K  
                information - Condensed statements of operations                 
                and comprehensive loss (Details)                                 
130: R110        Parent company only condensed financial             HTML     76K  
                information - Condensed statements of cash flows                 
                (Details)                                                        
133: XML         IDEA XML File -- Filing Summary                      XML    243K  
131: XML         XBRL Instance -- d244669d20f_htm                     XML   3.78M  
132: EXCEL       IDEA Workbook of Financial Reports                  XLSX    177K  
17: EX-101.CAL  XBRL Calculations -- pt-20211231_cal                 XML    289K 
18: EX-101.DEF  XBRL Definitions -- pt-20211231_def                  XML   1.57M 
19: EX-101.LAB  XBRL Labels -- pt-20211231_lab                       XML   2.20M 
20: EX-101.PRE  XBRL Presentations -- pt-20211231_pre                XML   1.84M 
16: EX-101.SCH  XBRL Schema -- pt-20211231                           XSD    374K 
134: JSON        XBRL Instance as JSON Data -- MetaLinks              661±   962K  
135: ZIP         XBRL Zipped Folder -- 0001193125-22-125009-xbrl      Zip    898K

‘EX-101.CAL’   —   XBRL Calculations — pt-20211231_cal

This Exhibit is an XBRL XML File.

                                                                                                                                                                                
<?xml version="1.0" encoding="windows-1252"?>
<!-- Generated by DFIN XBRL Instance Document - http://www.dfinsolutions.com/ - Version R3.0 - on 27-April-2022 [04:14:51] {PM} -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#ConsolidatedBalanceSheets" roleURI="http://www.pintec.com/role/ConsolidatedBalanceSheets"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#ConsolidatedStatementsOfOperationsAndComprehensiveLoss" roleURI="http://www.pintec.com/role/ConsolidatedStatementsOfOperationsAndComprehensiveLoss"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#ConsolidatedStatementsOfCashFlows" roleURI="http://www.pintec.com/role/ConsolidatedStatementsOfCashFlows"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#AcquisitionsScheduleOfAllocationOfThePurchasePriceDetail" roleURI="http://www.pintec.com/role/AcquisitionsScheduleOfAllocationOfThePurchasePriceDetail"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#FinancingReceivablesNetDetails" roleURI="http://www.pintec.com/role/FinancingReceivablesNetDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#FinancingReceivablesNetBalancesOfFinancingReceivablesByDueDateDetails" roleURI="http://www.pintec.com/role/FinancingReceivablesNetBalancesOfFinancingReceivablesByDueDateDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#AccountsReceivableNetDetails" roleURI="http://www.pintec.com/role/AccountsReceivableNetDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#PrepaymentsAndOtherCurrentAssetsNetDetails" roleURI="http://www.pintec.com/role/PrepaymentsAndOtherCurrentAssetsNetDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#PropertyEquipmentAndSoftwareNetDetails" roleURI="http://www.pintec.com/role/PropertyEquipmentAndSoftwareNetDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#FinancialGuaranteeLiabilitiesAndFinancialGuaranteeAssetsScheduleOfGuaranteeAssetsMovementActivitiesDetails" roleURI="http://www.pintec.com/role/FinancialGuaranteeLiabilitiesAndFinancialGuaranteeAssetsScheduleOfGuaranteeAssetsMovementActivitiesDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#AccruedExpensesAndOtherLiabilitiesDetails" roleURI="http://www.pintec.com/role/AccruedExpensesAndOtherLiabilitiesDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#TaxationCurrentAndDeferredPortionOfIncomeTaxExpenseDetails" roleURI="http://www.pintec.com/role/TaxationCurrentAndDeferredPortionOfIncomeTaxExpenseDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#TaxationReconciliationBetweenTheStatutoryEitRateAndTheEffectiveTaxRatesDetails" roleURI="http://www.pintec.com/role/TaxationReconciliationBetweenTheStatutoryEitRateAndTheEffectiveTaxRatesDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#TaxationDeferredTaxAssetsAndDeferredTaxLiabilitiesDetails" roleURI="http://www.pintec.com/role/TaxationDeferredTaxAssetsAndDeferredTaxLiabilitiesDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#CommitmentsAndContingenciesOperatingLeaseCommitmentDetails" roleURI="http://www.pintec.com/role/CommitmentsAndContingenciesOperatingLeaseCommitmentDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfOperationsAndComprehensiveLossDetails" roleURI="http://www.pintec.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfOperationsAndComprehensiveLossDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfCashFlowsDetails" roleURI="http://www.pintec.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfCashFlowsDetails"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#TaxationDeferredTaxAssetsAndDeferredTaxLiabilitiesDetailsAlternate1" roleURI="http://www.pintec.com/role/TaxationDeferredTaxAssetsAndDeferredTaxLiabilitiesDetailsAlternate1"/>
<roleRef xlink:type="simple" xlink:href="pt-20211231.xsd#ConsolidatedStatementsOfCashFlowsAlternate9" roleURI="http://www.pintec.com/role/ConsolidatedStatementsOfCashFlowsAlternate9"/>
<calculationLink xlink:type="extended" xlink:role="http://www.pintec.com/role/ConsolidatedBalanceSheets">
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsCurrent" xlink:label="loc_us-gaap_AssetsCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_AssetsCurrent" use="optional" order="1" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" use="optional" order="2" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_RestrictedCashCurrent" xlink:label="loc_us-gaap_RestrictedCashCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_us-gaap_RestrictedCashCurrent" use="optional" order="3" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesAndLoansReceivableNetCurrent" xlink:label="loc_us-gaap_NotesAndLoansReceivableNetCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_us-gaap_NotesAndLoansReceivableNetCurrent" use="optional" order="4" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccountsReceivableNetCurrent" xlink:label="loc_us-gaap_AccountsReceivableNetCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_us-gaap_AccountsReceivableNetCurrent" use="optional" order="5" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_us-gaap_PrepaidExpenseAndOtherAssetsCurrent" use="optional" order="6" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DueFromRelatedPartiesCurrent" xlink:label="loc_us-gaap_DueFromRelatedPartiesCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_us-gaap_DueFromRelatedPartiesCurrent" use="optional" order="7" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ShortTermFinancialGuaranteeAssets" xlink:label="loc_PT_ShortTermFinancialGuaranteeAssets"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsCurrent" xlink:to="loc_PT_ShortTermFinancialGuaranteeAssets" use="optional" order="8" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AssetsNoncurrent" xlink:label="loc_us-gaap_AssetsNoncurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_AssetsNoncurrent" use="optional" order="9" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNoncurrent" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet" use="optional" order="10" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNoncurrent" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet" use="optional" order="11" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredIncomeTaxAssetsNet" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNoncurrent" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet" use="optional" order="12" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_LongTermInvestments" xlink:label="loc_us-gaap_LongTermInvestments"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNoncurrent" xlink:to="loc_us-gaap_LongTermInvestments" use="optional" order="13" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_LongTermFinancialGuaranteeAssets" xlink:label="loc_PT_LongTermFinancialGuaranteeAssets"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsNoncurrent" xlink:to="loc_PT_LongTermFinancialGuaranteeAssets" use="optional" order="14" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NotesAndLoansReceivableNetNoncurrent" xlink:label="loc_us-gaap_NotesAndLoansReceivableNetNoncurrent"/>
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<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="loc_PT_DeferredTaxAssetsDeductibleAdvertisingFees" use="optional" order="4" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsImpairmentOfLongTermInvestment" xlink:label="loc_PT_DeferredTaxAssetsImpairmentOfLongTermInvestment"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="loc_PT_DeferredTaxAssetsImpairmentOfLongTermInvestment" use="optional" order="5" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" xlink:label="loc_PT_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="loc_PT_DeferredTaxAssetsOperatingLossCarryforwardsAcquiredInBusinessCombination" use="optional" order="6" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsGuaranteeLiabilities" xlink:label="loc_PT_DeferredTaxAssetsGuaranteeLiabilities"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="loc_PT_DeferredTaxAssetsGuaranteeLiabilities" use="optional" order="7" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsDeferredIncome" xlink:label="loc_us-gaap_DeferredTaxAssetsDeferredIncome"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsGross" xlink:to="loc_us-gaap_DeferredTaxAssetsDeferredIncome" use="optional" order="8" weight="1"/>
</calculationLink>
<calculationLink xlink:type="extended" xlink:role="http://www.pintec.com/role/TaxationDeferredTaxAssetsAndDeferredTaxLiabilitiesDetailsAlternate1">
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:label="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredTaxAssetsLessValuationAllowance" xlink:label="loc_PT_DeferredTaxAssetsLessValuationAllowance"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DeferredTaxAssetsLiabilitiesNet" xlink:to="loc_PT_DeferredTaxAssetsLessValuationAllowance" use="optional" order="9" weight="-1"/>
</calculationLink>
<calculationLink xlink:type="extended" xlink:role="http://www.pintec.com/role/CommitmentsAndContingenciesOperatingLeaseCommitmentDetails">
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" use="optional" order="1" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" use="optional" order="2" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" use="optional" order="3" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" xlink:label="loc_PT_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OperatingLeasesFutureMinimumPaymentsDue" xlink:to="loc_PT_OperatingLeasesFutureMinimumPaymentsDueAfterYearThree" use="optional" order="4" weight="1"/>
</calculationLink>
<calculationLink xlink:type="extended" xlink:role="http://www.pintec.com/role/AccruedExpensesAndOtherLiabilitiesDetails">
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:label="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_AccruedSalariesCurrent" xlink:label="loc_us-gaap_AccruedSalariesCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_us-gaap_AccruedSalariesCurrent" use="optional" order="1" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedRelatedToServiceFeesAndOthersCurrent" xlink:label="loc_PT_AccruedRelatedToServiceFeesAndOthersCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_PT_AccruedRelatedToServiceFeesAndOthersCurrent" use="optional" order="2" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_OtherAccruedAssetsLiabilitiesCurrent" xlink:label="loc_PT_OtherAccruedAssetsLiabilitiesCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_PT_OtherAccruedAssetsLiabilitiesCurrent" use="optional" order="3" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_ContingentInvestmentConsiderationPayable" xlink:label="loc_PT_ContingentInvestmentConsiderationPayable"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_PT_ContingentInvestmentConsiderationPayable" use="optional" order="4" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_DeferredGovernmentGrants" xlink:label="loc_PT_DeferredGovernmentGrants"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_PT_DeferredGovernmentGrants" use="optional" order="5" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" xlink:label="loc_PT_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_PT_AccruedPayableInvestorsAndFinancialPartnersForCollectingPrincipalAndInterestsOnBehalfOfBorrowers" use="optional" order="6" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ContractWithCustomerLiabilityCurrent" xlink:label="loc_us-gaap_ContractWithCustomerLiabilityCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_us-gaap_ContractWithCustomerLiabilityCurrent" use="optional" order="7" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_InterestPayableCurrent" xlink:label="loc_us-gaap_InterestPayableCurrent"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_us-gaap_InterestPayableCurrent" use="optional" order="8" weight="1"/>
<loc xlink:type="locator" xlink:href="pt-20211231.xsd#pt_AccruedCollectionOnBehalfOfVendors" xlink:label="loc_PT_AccruedCollectionOnBehalfOfVendors"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_PT_AccruedExpensesAndOtherLiabilitiesCurrent" xlink:to="loc_PT_AccruedCollectionOnBehalfOfVendors" use="optional" order="9" weight="1"/>
</calculationLink>
<calculationLink xlink:type="extended" xlink:role="http://www.pintec.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfCashFlowsDetails">
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" use="optional" order="1" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" use="optional" order="2" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" use="optional" order="3" weight="1"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="loc_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents"/>
<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="loc_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" use="optional" order="4" weight="1"/>
</calculationLink>
<calculationLink xlink:type="extended" xlink:role="http://www.pintec.com/role/ParentCompanyOnlyCondensedFinancialInformationCondensedStatementsOfOperationsAndComprehensiveLossDetails">
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
<loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPortionAttributableToParent"/>
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</calculationLink>
</linkbase>

2 Subsequent Filings that Reference this Filing

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/30/24  Pintec Technology Holdings Ltd.   20-F       12/31/23  147:18M                                    Toppan Merrill/FA
 5/15/23  Pintec Technology Holdings Ltd.   20-F       12/31/22  119:17M                                    Toppan Merrill/FA

7 Previous Filings that this Filing References

  As Of               Filer                 Filing    For·On·As Docs:Size             Issuer                      Filing Agent

 4/30/21  Pintec Technology Holdings Ltd.   20-F       12/31/20  157:16M                                    Donnelley … Solutions/FA
 4/07/21  Otov Alfa Holdings Ltd.           SC 13D                 3:123K Pintec Technology Holdings Ltd.   Donnelley … Solutions/FA
 6/29/20  Pintec Technology Holdings Ltd.   20-F       12/31/19  157:22M                                    Donnelley … Solutions/FA
 7/30/19  Pintec Technology Holdings Ltd.   20-F       12/31/18  149:19M                                    Toppan Merrill/FA
10/19/18  Pintec Technology Holdings Ltd.   F-1/A                  4:7M                                     Toppan Merrill-FA
10/10/18  Pintec Technology Holdings Ltd.   F-1/A                 14:7.6M                                   Toppan Merrill-FA
 7/16/18  Pintec Technology Holdings Ltd.   F-1                   39:10M                                    Toppan Merrill-FA
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