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Operator: Ladies and gentlemen, thank you for standing by, and welcome to the Lufax Holding Limited Third Quarter 2022 Earnings Call.

Ping anHong kongGreg gibbAmerica merrill lynchYong suk choCai fangfangLu xin yangGregory gibbFu xinYada liEmma shuLubys incInternational financial reporting standardsHead of board officeLufax holding limited third quarterUnidentified company representative