LexinFintech Holdings Ltd.

Ladies and gentlemen, thank you for standing by and welcome to the Lexin FinTech Second Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-only mode. I must advise you that this conference is being recorded today. I would now like to hand the conference over to your first speaker today, Mr. Tony Hung, Senior Director for Capital Markets. Thank you. Please go ahead, Tony.

Thank you, operator. Hello, everyone, and welcome to Loh Shing's second quarter 2020 earnings conference call. The company's results were issued earlier today and are posted online. Joining me today on the call are Mr. Jay Hsiao, our founder, chairman, and chief executive officer, Mr. Craig Zeng, our chief financial officer, Mr. Ryan Liu, our chief risk officer, Mr. Stanley Dahl, our senior financial director, and other members of our team. For today's agenda, Mr. Hsiao will provide an overview of our recent performance and highlights, Mr. Teng will discuss our financial results, and Mr. Liu will discuss our credit performance. Before we continue, I refer you to our safe harbor statement in the earnings press release, which applies to this call as we will make forward-looking statements. Also, please note that this call includes discussions of certain non-GAAP financial measures. Please refer to our earnings release, which contains a reconciliation of non-GAAP measures to the most directly comparable GAAP measures. Finally, please note that unless otherwise stated, all figures mentioned during this conference call are in Limit B. I will now turn the call over to our CEO, Mr. Xiao, whom I will translate for.

Hello, everyone. I am very happy to communicate with you about some of the numbers in the second quarter. In the second quarter, the growth of our operating indicators has been stable. The 2B service model has been effective and has created a new growth curve for us.