...Good morning, ladies and gentlemen. Welcome to HDFC Bank's Annual Analyst Meet 2022. We are ready to begin our first session. For that, I would like to invite Mr. Sashidhar Jagdishan, Managing Director and Chief Executive Officer; Mr. Kaizad Bharucha, Executive Director; and Mr. Srinivasan Vaidyanathan, Chief Financial Officer to present overview of the bank. Unidentified Company Representative Okay. We'll get started now. Good morning to all. We'll have Sashi open and -- open the conference and talk for some time and various topics that we will cover. At the end of the session, after he is concluded, we'll have enough time for question and answer session across the room for however long we all want. So with that, without much ado, Sashi, you want to get started. Sashidhar Jagdishan ...