Lufax Holding Ltd American Depositary Shares, each representing two (2) Ordinary Shares

ladies and gentlemen thank you for standing by and welcome to lufa's holding limited fourth quarter 2021 earnings call at this time all participants are in a listen only mode after the management's prepared remarks we'll have a q a session please note this event is being recorded now i would now like to hand the conference over to your speaker host today mr yu chun the company's head of broad office and capital markets please go ahead sir

Thank you, operator. Hello, everyone, and welcome to our fourth quarter 2021 earnings conference call. Our quarterly financial and operating results were released by our newswire services earlier today and are currently available online. Today, you will hear from our chairman, Mr. Ji Guangheng, who will start the call with some key achievements in 2021, address current capital market concerns, and finally share our outlook for 2022. Our co-CEO, Mr. Greg Gipp, will then provide a review of our progress and details of our development strategies in a quarter. Afterwards, our CFO, Mr. James Jung, will offer a closer look into our financials before we open up the call for questions. In addition, Mr. Weiss Choi, our co-CEO, and Mr. David Choi, CFO of our Retail Credit Facilitation business, will also be available during the question and answer session. Before we continue, I would like to refer you to our safe harbor statement in our earnings pressure lease, which also applies to this call, as we'll be making forward-looking statements. Please also note that we will discuss non-IFRS measures today, which are more thoroughly explained and reconciled to the most comparable measures reported under the international financial reporting standards in our earnings release and filing with the SEC. With that, I'm now pleased to turn over the call to Mr. Ji, Chairman of Lufax.

Thank you for your participation. Hello, everyone, and thank you for joining our fourth quarter 2021 earnings conference call. I'll start today's call with an update of our key achievements for the year, then address current market concerns, and finally share our outlook for 2022.