Karen Ji | Senior Director of Capital Market |
Wu Haisheng | Chief Executive Officer |
Alex Xu | Chief Financial Officer |
Zheng Yan | Chief Risk Officer |
Judy Zhang | Citi Research |
Yada Li | CICC |
Thomas Chong | Jefferies LLC |
Hans Fan | CLSA |
Alex Ye | UBS |
Ladies and gentlemen, thank you for standing by, and welcome to the 360 DigiTech 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 also note today's event is being recorded.
At this time, I'd like to turn the conference call over to Ms.