Tony Hung | Senior Director of Capital Markets |
Jay Xiao | Chief Executive Officer |
Craig Zeng | Chief Financial Officer |
Jacky Zuo | China Renaissance |
Ethan Wang | CLSA |
Steven Chan | Haitong International |
Alex Zhou | UBS |
Cindy Wang | DBS |
Yada Li | CICC |
Ladies and gentlemen, thank you for standing by, and welcome to the LexinFintech First Quarter 2021 Earnings Conference Call. [Operator Instructions] I must advise you that this conference is being recorded today. I'd now like to hand the conference over to your first speaker today, Mr. Tony Hung, Senior Director of Capital Markets. Thank you, and please go ahead, sir.