Operator
Good day, and thank you for standing by. Welcome to Lexin First Quarter 2026 Earnings Conference Call. [Operator Instructions]
Please be advised that today’s conference is being recorded.
I’d now like to hand the conference over to your first speaker today, Will Tan, IR Director of the company. Please go ahead.
Will Tan
Thank you, operator. Hello, everyone. Welcome to our first quarter 2026 earnings conference call. Our results were released earlier today and concurrently available on our IR website. Today, you will hear from our Chairman and CEO, Mr. Jay Wenjie Xiao, who will provide an update on our overall performance and the strategies of our business. Our CFO, Mr. Arvin Zhanwen Qiao, will then provide more details on our risk management initiatives and updates. Lastly, our CFO, Mr. James Zheng, will discuss our financial performance.
Before we continue, I would like to refer you to our safe harbor statement in our earnings press release, which also applies to this call as we will be making forward-looking statements. Last, please note that all figures are presented in renminbi terms and all comparisons are made on a quarter-over-quarter basis unless otherwise stated.
Please kindly note Jay and Arvin will give their whole remarks in Chinese first, then the English version will be delivered by Jay’s and Arvin’s AI-based voices.
With that, I’m now pleased to turn over the call to Mr. Jay Wenjie Xiao, Chairman and the CEO of Lexin. Please sir.

