PresentationZafar AzizDeutsche Bank Aktiengesellschaft Hello, and welcome to the Deutsche Bank Virtual Investor Conference, dbVIC. This is Zafar Aziz from the Deutsche Bank team. I'm pleased to welcome our next presentation by Yiren Digital from China. Before I introduce our speaker, a few points to note. Please click on the Questions box to ask a question. All of today's presentations will be recorded and can be accessed by the Deutsche Bank website, www.adr.db.com. I'm happy now to hand over to Yiren Dig ...