Tony Hung | Investor Contact |
Jay Xiao | Chairman & CEO |
Craig Zeng | CFO & Director |
Yang Qiao | Vice President |
Jacky Zuo | China Renaissance |
Eddie Leung | Bank of America Merrill Lynch |
Richard Xu | Morgan Stanley |
Alex Ye | UBS |
Ethan Wang | CLSA |
Steven Chan | Haitong International |
Ladies and gentlemen, thank you for standing by, and welcome to the LexinFintech Fourth Quarter and Full Year 2020 Earnings Conference Call. [Operator Instructions]. I would now like to hand the conference over to your first speaker today, Mr. Tony Hung, Senior Director of Capital Markets. Thank you.