FinVolution Group

Hello, ladies and gentlemen. Thank you for participating in the fourth quarter and full year 2025 earnings conference call for Finvolution Group. At this time, all participants are in listen-only mode. After management's prepared remarks, there will be a question and answer session. Today's conference call is being recorded. I will now turn the call over to your host, Yam Cheng, head of capital markets for the company. Yam, please go ahead.

Thank you, Walker. Welcome to our fourth quarter and full year 2025 earnings conference call. The company's results were issued via Newswire Services earlier today and are posted online. You can download the earnings release and sign up for the company's email alerts by visiting the IR section of our website at http://ir.finvgroup.com. Mr. Tietzen Lee, our CEO, and Mr. Jia Yuanxu, our CFO, will start the call with their prepared remarks and conclude with a Q&A section. During this call, we will be referring to several non-GAAP financial measures to review and assess our operating performance. These non-GAAP financial measures are not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with U.S. GAAP. For information about these non-GAAP measures and reconciliation to GAAP measures, please refer to our earnings press release. Before we continue, please note that today's discussion will contain forward-looking statements made under the safe harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995. forward-looking statements involve inherent risks and uncertainties. As such, the company's results may be materially different from the views expressed today. Further information regarding these and other risks and uncertainties are included in the company's filing with the U.S. SEC. The company does not assume any obligation to update any forward-looking statements except as required under applicable law. Finally, we have posted a slide presentation on our IOL website, providing details of results for the quarter. I will now turn the call over to our CEO, Mr. Thien, and the team. Please go ahead.

Thanks, Yann. Welcome to our fourth quarter and the four-year 2025 earnings call.