...Hello, everyone, and welcome to Morgan Stanley's Virtual Financial Trip. This is Sumeet Kariwala, India Bank's Analyst at Morgan Stanley. And I'm glad to host our first session with HDFC Bank. It gives me great pleasure to introduce Mr. Srinivasan Vaidyanathan, CFO at HDFC Bank. Srini joined the bank around 2.5 years back. And before that Srini has had a long stint with Citigroup almost 27 years. During his tenure at Citi, he has held various regional and global leader positions in diverse geographies, such as Singapore, Hong Kong and New York. I'll hand over to Srini for some opening remarks. But before that, I'll read out the standard disclaimer. Please note that there are participants in the session who are not from Morgan Stanley Research, and their views can defer that -- from that of the resource department. Srini, with that let me pass it over to you for some opening remarks. Many thanks for joining us for a discussion from your very busy schedule. And I think it will be great if...