Jimmy Tan | Head, IR |
Feng Zhang | CEO |
Jiayuan Xu | CFO |
Yada Li | CICC |
Frank Zheng | Crédit Suisse |
Hanyang Wang | 86Research Limited |
Alex Ye | UBS |
Thomas Chong | Jefferies |
Good morning, ladies and gentlemen. Thank you for participating in the Fourth Quarter and Full Year 2021 Earnings Conference Call for FinVolution Group. [Operator Instructions]. Today's conference call is being recorded. I will now turn the call over to your host, Mr.