Haisheng Wu | executive |
Zuoli Xu | executive |
Richard Xu | analyst |
Yan Zheng | executive |
Xiaoxiong Ye | analyst |
Emma Xu | analyst |
Yun-Yin Wang | analyst |
Yada Li | analyst |
Ladies and gentlemen, thank you for standing by, and welcome to the Qifu Technology Third Quarter 2023 Earnings Conference Call. [Operator Instructions] Please also note today's event is being recorded. At this time, I would like to turn the conference call over to Ms. [ Karen Ji ], Senior Director of Capital Markets. Please go ahead, [ Karen ].