Q4 2022 Lexinfintech Holdings Ltd Earnings Call Transcript
Good day, and thank you for standing by. Welcome to LexinFintech Fourth Quarter and Full Year 2022 Earnings Conference Call. (Operator Instructions) Please be advised that today's conference is being recorded.
I would now like to turn the conference over to your first speaker today, Ms. Jamie Wang, IR Manager. Thank you. Please go ahead.
Thank you, Desmond. Hello, everyone. Welcome to Lexin's Fourth Quarter and Full Year 2022 Earnings Conference Call. With us on the line today are our CEO, Jay Xiao; President, Jared Wu; and CFO, James Zheng.
Before we get started, I'd like to remind you that the call and presentation contains business outlook and forward-looking statements which are based on the assumptions as of today. The actual results might differ materially, and we undertake no obligation to update any forward-looking statements.
Jay will first provide an update on our overall performance. James will cover the financial results in more detail. And lastly, Jared will then
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