Echo Yan | Investor Relations Director |
Jay Xiao | Chairman and Chief Executive Officer |
Sunny Sun | Chief Financial Officer |
Jared Wu | President |
Hans Fan | CLSA |
Frank Zheng | Credit Suisse |
Alex Ye | UBS |
Good day, and thank you for standing by. Welcome to the LexinFintech's Third Quarter 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.