...Good evening, ladies and gentlemen, and thank you for joining us for a discussion on RBL Bank's financial results for the first quarter of FY '21. I am joined on this call by other members of our management team, who, along with me, will address any questions that you all may have later. The last quarter was a mixed bag. On the one hand, COVID infection rates increased across the country, causing partial lockdowns to be reimposed in certain states, and therefore, continuation of uncertainty. On the other hand, as we transitioned from a strict lockdown to various stages of unlocking and easing, we saw an improvement in economic activity begin in May 2020, with a sharp lift in June as the majority of the country went into unlock phase. The economic forecasts point to a contraction FY '20-'21 GDP of anything between the 5% to 8% range. And while the government and RBI have announced a slew of measures, growth, according to us, is expected to come back only in the fourth quarter. As articulated...
