Jamie Wang | Investor Relations Manager |
Jay Xiao | Chairman and Chief Executive Officer |
James Zheng | Chief Financial Officer |
Jared Wu | President |
Yada Li | CICC |
Alex Ye | UBS |
Good day, and thank you for standing by. Welcome to LexinFintech's Fourth Quarter and Full-Year 2022 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded.