Patricia Cheng | Investor Relations |
Jay Xiao | Chairman & Chief Executive Officer |
Sunny Sun | Chief Financial Officer |
Jayden Qiao | Chief Risk Officer |
Yada Li | CICC |
Ethan Wang | CLSA |
Good day and thank you for standing by. Welcome to the LexinFintech Fourth Quarter and Full Year 2021 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speaker’s presentation, there will be a question-and-answer session. [Operator Instructions].