Qfin Holdings, Inc.

Ladies and gentlemen, thank you for standing by and welcome to the Kewfin Holdings fourth quarter and full year 2025 earnings conference call. All participants are in a listen-only mode. There will be a presentation followed by a question and answer session. If you would like to ask a question, you'll need to press the star key followed by the number one on your telephone keypad. Please also note that today's event is being recorded. At this time, I'd like to turn the conference over to Ms. Karen Gee, Senior Director of Capital Markets. Please go ahead.

Thanks, Darcy. Good morning and good evening, everyone. Welcome to QFIN Holdings Fourth Quarter 2025 Earnings Conference Call. Joining me today are Mr. Wu Haisheng, our CEO, Mr. Alex Xu, our CFO, and Mr. Zheng Yan, our CIO. Before we start, I will quickly cover the Safe Harbor Statement. Today's discussions may contain forward-looking statements. particularly statements about our business and financial outlook that are subject to risks and uncertainties, which could cause actual results to differ materially from those contained in the forward-looking statements. Please refer to the safe harbor statements in our earnings release. On this call, we will also discuss certain non-GAAP financial measures. Please refer to our earnings release. which contains a reconciliation of the non-GAAP financial measures to GAAP financial measures. Now, I will turn the call over to Mr. Wu Haisheng. Please go ahead.

Hello, everyone.