OneConnect Financial Technology Co., Ltd.

Hello, everyone, and welcome to the OCFT 2022 Q3 earnings release. My name is Emily, and I'll be coordinating your call today. At the end of today's presentation, you will have the opportunity to ask a question by pressing start, followed by the number one on your telephone keypads. I will now turn the call over to our host, Danielle Goh, Head of Investor Relations. Please go ahead.

Thank you. Hello, everyone, and welcome to our third quarter 2022 earnings conference call. Our financial and operating results were released earlier today and are currently available on our IR website. Today, you will hear from our Chairman and CEO, Mr. Shen Chongfeng, who will give opening remarks and Q3 business highlights. Afterwards, our CFO, Mr. Luo Yongtao, will offer a closer look into our financials. And then in question and answer session, our management team will be available we have our Head of Southeast Asia Business, Ms. Chen Mingyu, and Chief Executive of Hong Kong Virtual Bank, Mr. Michael Fei, and our Head of Strategy and Products, Ms. Ellen Jia. In today's conference, our management team will make statements in Mandarin or in English. For those in Mandarin, a consecutive translation will be provided. If any discrepancy, management statement in original language will prevail. unless otherwise stated. Growth rate of all the metrics refer to the year-over-year growth versus the same period of loss here. And the currency is an RMB. Before we start, let me quickly cover the safe harbor statement, as we will be making forward-looking statements, which will involve the number of risks and uncertainties that would cause actual results to differ materially. Please note that we may present both FRS and non-FRS financial measures, With that, I'm now pleased to turn the call to our Chairman and CEO, Mr. Shen Chongfeng. Shen Dong, please.

Hello everyone, I'm Shen Chongfeng.