OneConnect Financial Technology Co., Ltd.

Good day and thank you for standing by. Welcome to the OneConnect Second Quarter 2021 Results Conference Call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there will be a question-and-answer session. To ask a question during the session, you will need to press star 1 on your telephone keypad. If you require any further assistance, please press star zero. I would now like to turn the conference over to your speaker today, Anita Du, Investor Relations Manager. Ma'am, please go ahead.

Thank you. Thank you, Catherine. Hello, everyone. Welcome to OneConnect's Second Quarter Earnings Court. Joining me on the court are Mr. Ye Wangchun, Chairman and CEO of OneConnect, Mr. Luo Yongcao, CFO, Mr. Michael Fei, CEO of SME Banking, and Mr. Chen Xu Hua, CEO of GarmentO. A few notes before we begin. First, you can download the earnings press release and presentation from the IR website. Second, our remarks today will include forward-looking statements, which involve a number of risks and uncertainties that could cause actual results to differ materially. Any forward-looking statements that we make on this court are based on assumptions as of today, and we undertake no obligation to update these statements except as required under applicable law. During this court, we may present both IFRS and non-IFRS financial measures. A discussion on the limitations of non-IFRS measures and a reconciliation of IFRS measures is included in the earnings press release. I will now pass it over to Chairman Ye. His remarks will be in Chinese. Translation in English will follow.

The company's income has made steady growth, and the loss-loss ratio has continued to be optimized. It is especially noteworthy that the company has firmly established the customer root strategy of the NOS chain, and has achieved good results through a more focused sales and product strategy. In the first half of the year, the net profit ratio was close to that of last year. Hello, everyone.